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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3174 reviews)

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4.97

Based on 3,174 reviews, last reviewed 13th May 2026

54% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

98%

Latest highest rating:

5

Top banking app Excepted within a few steps on the app got a excellent balance to use straight away card came within 4 days just a brilliant banking app and so eas... Read more Reviewed on: 13th May 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 (3174)

Helps out loads in times of need for them unexpexted...

Helps out loads in times of need for them unexpexted bills, a more manageable payment plan gives me peace of mind Reviewed on: 18th January 2024

Flex is a great product, handy to use

Flex is a great product, handy to use Reviewed on: 18th January 2024

There is prompt response and attention to customer t...

There is prompt response and attention to customer to resolve issues quickly. Reviewed on: 18th January 2024

Best credit card for flexible payment options

Best credit card, essentially 3 months of interest free time to pay. Easy to spread other payments and change your mind on duration of payments. Also enables you to manaage debt in a sensible way. You can only have 12 months max to pay back! Reviewed on: 18th January 2024

Very easy to use, flexible short term credit card

Very easy to use, can decide to use it as credit for purchases after you’ve already made them making it really flexible. Always 0% interest for 3 months when you split purchases. The easiest to use credit card I’ve ever had. Helps me control spending by knowing the cost of credit up front if I want purchases to be flexed for longer than a 3 month period. Feel in more control of what I use the credit card for because of this. Reviewed on: 18th January 2024

Probably the best credit card.

Probably the best credit card. The way you can flex the payment into your card. Makes it the best Reviewed on: 18th January 2024

5 star review. Monzo flex is it for me

Monzo flex is so very easy to use. It has made shopping easy for more. In addition the 3 months interest free repayment us waoh!!!!!!!! for me. Monzo flex makes life easy for me. Reviewed on: 18th January 2024

Better than most credit cards and competitive intere...

Better than most credit cards and competitive interest rates! Reviewed on: 18th January 2024

Good Product Held Back by One Extremely Irritating Flaw

Flex is a great product for me as I often travel abroad and so it grants access to the same exchange rates as Monzo current accounts get. This, and the integration of Flex into the Monzo app (and the really pretty physical card itself) make Flex a really good service. The recently introduced cashback options (again very well-integrated) are also very welcome. However, I am really very annoyed that there is no option to have the payment plan default to anything other than (1) one instalment at the end of the statement period (as with the other cards I own), (2) the minimum monthly payment (which effectively is opting in to paying interest on every single purchase), or (3) to go through the time-consuming and fiddly process of manually choosing the payment period on every single transaction individually. There should definitely be the option to opt for the maximum period possible without incurring interest payments, as is my preference when money is tight. Perhaps Monzo has intentionally made this difficult in order to shuttle people into paying interest, but I sincerely hope that this is something that will be updated soon. Without this issue, I would definitely recommend this card without hesitation. Reviewed on: 18th January 2024

No words it’s just suuuuuuuupeeeerrrr amazing!

No words it’s just suuuuuuuupeeeerrrr amazing!!! Reviewed on: 18th January 2024

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