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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)

Very responsive and good value to me

Very responsive and good value to me Reviewed on: 18th January 2024

the best pure online bank available...

Monzo is one of the best pure online bank available in UK! The No.1 choice for students and anyone who want access to banking services. Reviewed on: 18th January 2024

Give Flex a go

Really convenient and my new default for any credit lending. super convenient. Just wish it defaulted to longest repayment period without interest rather than defaulting to longest period with interest. Other than that its better than any other competitor especially when budgeting for the retroactive flexing feature. Worth trying by everyone. Reviewed on: 18th January 2024

It’s easy to use and very clear.

It’s easy to use and very clear. You’re encouraged to pay off things as quickly as possible to save on interest, and if it takes any longer they make their charges very clear to you. Reviewed on: 18th January 2024

Best credit card available today.

Best credit card available. Free of charge 3 months spread makes it special. No fuss , we can easily change the date. I use this for holidays , flight or any other large expense. No need to break ur saving, with this just buy what ever u want. Reviewed on: 18th January 2024

Never had a problem since the past 2 years I started...

Never had a problem since the past 2 years I started banking with Monzo. Reviewed on: 18th January 2024

The banking experience have had so far has been grea...

The banking experience have had so far has been great, wonderful customer service and a lot of options to save money and get a good value for it is provided by Monzo Reviewed on: 18th January 2024

The best online account by far

The best online account going, have recommended to all my family and friends Reviewed on: 18th January 2024

I love Monzo app and credit

I have a good experience using Monzo app and credit card. I love the fact that I can plan out my payments over different periods, with 3 months no interest. Reviewed on: 18th January 2024

Smart track of spending money

Very supportive and have lots of intuitive features that help keep track of your spending. I also like the new addition of investments. Good cashback offers too. I have nothing to complain so far during my time with Monzo Reviewed on: 18th January 2024

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