Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3037 reviews)

View other Monzo products

4.97

Based on 3,037 reviews, last reviewed 3rd Mar 2026

52300% 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

Best in market credit card. Best in market credit card. Interest free over 12mths, easy to make payments. Reviewed on: 3rd 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

Read all reviews See your review

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 (3037)

Review of the Monzo, Flex Purchase credit card:

Credit card designed for transparency

Easier credit cart issue in a few seconds. Great design that makes it very transparent in payments and interest charged. Reviewed on: 25th March 2025

Easy to had app and apply for cards and loans.

Easy to had app and apply for cards and loans. Reviewed on: 9th February 2026

The Best

Ease of transacting. Quick response to any enquiry Reviewed on: 9th February 2026

Very easy to use & manage.

Very easy to use & manage. Flex account helps alot in managing payments & 3 months interest free over 100£ is very helpful Reviewed on: 9th February 2026

Amazing perfect when answering quieted

Amazing perfect when answering quieted Reviewed on: 9th February 2026

MONZO FLEX

JUST AN ALLROUND GREAT COMPANY. HONEST GOOD AND RELIABLE Reviewed on: 9th February 2026

Best credit card, period!

They're just the best in terms of how easy it is to stay on top of your finances! I've got several other credit cards, and none come even close to providing a user experience like the one Monzo provides. I use Monzo every single month to manage large purchaeses, and not once has my credit use got out of control. Thank you Monzo! Reviewed on: 9th February 2026

Monzo is the BEST!!

Monzo’s app is the BEST to use, making budgeting, saving with pots, and managing money simple, easy and even fun. The Flex credit card is a standout, offering flexible, interest-free repayments that are an absolute lifesaver. Excellent customer service, especially when dealing with account freezes, fraud, or urgent issues. I feel this is the best bank I have ever been with. Positive themes Monzo’s app makes saving and budgeting easy with handy pots and clear money tracking. Reviewed on: 9th February 2026

Super easy to use via the mobile app and support is...

Super easy to use via the mobile app and support is quick and excellent quality Reviewed on: 9th February 2026

Monzo flex is brilliant to make necessary purchases...

Monzo flex is brilliant to make necessary purchases and pay over time especially during the latter parts of the month. Customer service has always been excellent. Reviewed on: 9th February 2026

At last!

At last! A credit card that has the customer as its priority. When I took out a Flex, I had no idea about the three month interest free repayment option but it is fantastic for today’s financial climate. Reviewed on: 9th February 2026

Do you have a different Monzo product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Everyday spending credit cards
from Halifax 4.07 from 74 reviews
Everyday Credit Card
from Santander 3.93 from 21 reviews
Credit card
from Vanquis 4.24 from 554 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Savings
from Monzo 4.97 from 225 reviews
Under 16s account
from Monzo 4.96 from 546 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub