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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.

Monzo Flex Purchase credit card reviews (3086)

Review of the Monzo, Flex Purchase credit card:

Refreshing way to use credi

Love the control you have to choose to credit some items. Reviewed on: 24th March 2023

Make the switch

I switched from Barclays to Mozo a couple of years ago and cannot fault my experience by any means. I pay for an Extra account, I have a Flex account, a business account and a Joint Account with my husband and I can confidently say I won't be switching providers, the flex account allows me to make 0% purchase and split the cost so I don't accrue an unmanageable amount of debt and now with the feature to use it to draw out money it means I have access to emergency funds at a relatively low rate ! There are so many things I appreciate about Monzo; being able to use my card abroad with no fees, the saving challenge, easy access to S&S ISA, early payday, round ups, cash back, pots, savings goals, spending analysis etc... The bar is incredibly high and I am very happy. Reviewed on: 9th February 2026

Great service!

Very good service, I have used it for a while and it gives good rates Reviewed on: 9th February 2026

MONZO- my money friend

It’s so easy that even a child can be able to use Monzo- it’s not user friendly it’s THE BEST FRIENDLY Reviewed on: 9th February 2026

Smooth experience.

Smooth experience. Outstanding service. Reviewed on: 9th February 2026

Flex is a great product!

Great product, allows me to flex big purchases and choose a repayment that suits me Reviewed on: 9th February 2026

The flex credit card is so good and the app is very...

The flex credit card is so good and the app is very easy to use Reviewed on: 9th February 2026

Monzo credit card

Monzo approved my credit card straight away. And in no time at all they increased my limit too. Always been good to use Reviewed on: 9th February 2026

Monzo has been so helpful and good bank.

Monzo has been so helpful and good bank. They are always there when you need them, they make sure at all time they meet up with any issues and solve them for you. They are very reliable and trustworthy. Reviewed on: 9th February 2026

Monzosure!

It is easy to used and it offers a lot of cashbacks and rewards. I start using Monzo last year and I am so thankful to my friend who recommend this bank. Compare to other banks that I used Monzo is great you can guaranteed thay your money is safe and secure. Reviewed on: 9th February 2026

Best credit card for everyday spending

Really like the fact that you can flex payments and get cash back when using the flex credit card Reviewed on: 9th February 2026

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