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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2935 reviews)

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4.97

Based on 2,935 reviews, last reviewed 12th Feb 2026

42200% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

The best credit card I have ever used with an easy i... The best credit card I have ever used with an easy interface in the app. Reviewed on: 12th February 2026

Latest lowest rating:

1

Bank that you can not trust Monzo states interest free payments but when i made a payment they charged me . Ridiculous, absolutely ridiculous. Reviewed on: 24th July 2025

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About this product

The Monzo Flex Purchase credit card has a starting limit of up to £10,000.

With Monzo Flex Purchase, you can pay abroad with no fees. You also get no interest on purchases of £100 or more paid over three months. Get instant notifications, real-time balance updates and freeze and defrost your card, all from the Monzo app.

Monzo Flex Purchase credit card reviews help you find out what it’s really like to be a customer. If you’ve used Monzo before, you can also leave a review and share your experience.

Monzo Flex Purchase credit card reviews (2935)

Review of the Monzo, Flex Purchase credit card:

Long time customer

Been with Monzo for a few years now and have had nothing but positive experiences Reviewed on: 26th March 2025

Amazing card for getting your credit score up and ea...

Amazing card for getting your credit score up and easy to keep on top of payments! Reviewed on: 12th February 2026

I love the pay in 3 option for 0% interest.

I love the pay in 3 option for 0% interest. Gives a lot of flexibility, hence their name Reviewed on: 12th February 2026

Monzo flex has been a great first credit card

Monzo flex has been a great first credit card for me, with its credit insights and priceless insights of how to increase my credit score it has been a way to grow my credit without any fees or complications. Reviewed on: 12th February 2026

Online support is great, easy to use app, lots of in...

Online support is great, easy to use app, lots of info at time of sign up Reviewed on: 12th February 2026

Credit card management made easy

The Flex card is great as it allows me to easily view when payments are due and for how much. Managing credit with Flex is a game changer and puts traditional or legacy banks to shame. Reviewed on: 12th February 2026

I am super grateful for Monzo's flex credit card.

I am super grateful for Monzo's flex credit card. I struggled to manage cash flow and credit card repayments push my credit score back quite a few times... But the app makes it super clear to understand what needs to be paid when, and encourages you to pay in time/early. The dynamic calculation of interest is key!! Reviewed on: 12th February 2026

Magical Monzo - forever loyal!

Monzo has helped me in so many ways with regards to money. Banking is made so much easier as they provide excellent visuals and breakdowns of payments, which help me to manage my money better which I found other banks didn’t do as much of. The notifications help as a reminder of what I’ve spent, and the opportunities for rewards and investments are always provided. I have both a current and flex account and I was always worried about having a credit card but Monzo helped me to feel safe and work out ways to pay back payments in a way that suited me. I honestly will always remain loyal to Monzo from the trust and opportunities they provide! Reviewed on: 12th February 2026

I love Flex.

I love Flex. It's a brilliant product that is incredibly flexible (see what I did there). I'm not a huge fan of having credit cards but the ability to move payments and select the interest means I have much more control. Reviewed on: 12th February 2026

Monzo Flex

Monzo flex is always my choice when it comes to big purchases. Reviewed on: 12th February 2026

Great transparency and features

I have always been apprehensive about using credit cards due to lack of transparency around fees, terms, interest, and even checking your balance. Monzo makes all of this very easy and up front with flex. Being able to spread the cost of a specific purchase is a great feature that strikes a balance between traditional credit and buy now pay later systems. Reviewed on: 12th February 2026

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