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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3086 reviews)

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4.97

Based on 3,086 reviews, last reviewed 27th Mar 2026

57000% 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

I love monzo so much. I love monzo so much. The flex card is incredible at helping me keep track of what I am spending and encouraging me to make good financial decisions. ... Read more Reviewed on: 27th March 2026

Latest lowest rating:

2

The most Useless CC I am trying to use Monzo flex credit card and where ever I've tried to use it and that's multiple places it doesn't allow me to use it. It's the most ... Read more Reviewed on: 4th June 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.

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Monzo Flex Purchase credit card reviews (3086)

The Credit Card of credit cards

Monzo flex is the kind of credit card that I’ve wanted since I’ve known what a credit card is! It allows me to stay in control of my debt, has great interest rates and lets me be flexible in my payments. Reviewed on: 18th January 2024

Monzo is the best credit card for me

Monzo is the best credit card for me Reviewed on: 18th January 2024

Love Monzo

Love Monzo, I find this way of paying so useful. Reviewed on: 18th January 2024

Really easy to use!

Really easy to use. Nice viability into what payments you have upcoming. Reviewed on: 18th January 2024

Great UI/UX and links to current account

Great UI/UX. Amazing feature set with links to retrospectively ‘flex’ transactions made on my current account. In-built buy now pay later options that provide longer interest free periods than other cards. Reviewed on: 18th January 2024

It’s the way forward with using credit payments and...

It’s the way forward with using credit payments and managing your money. Flex is the right word as the card makes things so flexible with purchases, making bookings easy and even when planning things with friends. I’d say its revolutionised the way I pay for things now. Reviewed on: 18th January 2024

Monzo is the bank to beat!

Monzo is a great choice for an online bank, they provide a level of experience that high street banks do whilst also adding extra features that people ask for. Their customer service is great, they reply quickly and are always helpful. Monzo flex is a game changer for me. It’s replaced my credit card and has helped me reduce my monthly payments. I couldn’t recommend them more. If you go the extra mile and get their premium tiers, you’ll be able to make use of their virtual cards. These are great for those who do online shopping and are wary of scams and hackers. It’s easy to cancel or pause the card without affecting your day to day card. Reviewed on: 18th January 2024

Software users experience is awesome.

Software users experience is awesome. I have three others credit cards but I wish they have the same facilities like monzo flex. It is one of the best great card in my point of view. Reviewed on: 18th January 2024

Absolutely no problems, great bank

Absolutely no problems, great bank Reviewed on: 18th January 2024

Every good control of borrowing money and easy to pa...

Every good control of borrowing money and easy to pay off without going to a third party for borrowing. Very clear at how much you're borrowing and reminds you to set up a payment plan. Very transparent at the cost of all borrowing Reviewed on: 18th January 2024

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