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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.96 (2792 reviews)

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4.96

Based on 2,792 reviews, last reviewed 9th Feb 2026

27900% 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

Monzo flex is really helpful with no interest rate f... Monzo flex is really helpful with no interest rate for 3month Reviewed on: 9th 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 (2792)

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

Easy banking

It’s just always been easy to bank with them. All I need in one app Reviewed on: 9th February 2026

Have been with Monzo for 3 years now and they have p...

Have been with Monzo for 3 years now and they have provided me with a credit card that I feel meets my needs and I never feel stressed when it comes to repayment plans as they are always straightforward and easy to understand. They have also provided sensible and realistic credit increases that encourage sustainable lending Reviewed on: 9th February 2026

Great credit card for beginners

Very happy with my credit card- Monzo made it super easy to understand the process, the interest and the application for a card. Reviewed on: 9th February 2026

Great flexible payment credit card.

Great flexible payment credit card. Integrates really nicely into the Monzo app, interest free payments over three months are always a huge benefit if you make sure you keep on top of them :) Reviewed on: 9th February 2026

The best credit card experience that saved me looots...

The best credit card experience that saved me looots of money by letting me avoid extra rates planning how to return my money. Reviewed on: 9th February 2026

The credit card was great for building my credit sco...

The credit card was great for building my credit score and adding protection to my purchases. Reviewed on: 9th February 2026

A great clear view of your borrowing .

A great clear view of your borrowing . Truely flexible and easy to manage. Reviewed on: 9th February 2026

I opened an account with Monzo in 2024 and have been...

I opened an account with Monzo in 2024 and have been throughly impressed with there banking app and products on offer. While not all the products are suitable for myself, I can see the benefit they would add to others, I just wish I had this sort of availability to me in my 20's or 30's, it may have encouraged me to invest and save better at an earlier age. However the product I make use of the most is the Credit Card Flex, and the option to set your repayments, and the 3 month interest free option is my most favoured and I can instantly see how my repayments are affected to manage my finances - Monzo makes this easy! Reviewed on: 9th February 2026

Love Monzo bank.

Love Monzo bank. It is very simple to use Reviewed on: 9th February 2026

Great app with lots of useful features that’s very e...

Great app with lots of useful features that’s very easy to use and much richer than traditional credit card company offerings. Reviewed on: 9th February 2026

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