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Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3126 reviews)

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4.97

Based on 3,126 reviews, last reviewed 11th Apr 2026

60900% 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

Interest Free shopping for 3 months. Very handy, allows credit for 3 months interest free on shopping which give me time to sort my finances. Reviewed on: 11th April 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 (3126)

An excellent credit card

An excellent credit card — you always know how much to pay to avoid interest. Reviewed on: 7th April 2026

Great that I can pay my credit card off so easily fr...

Great that I can pay my credit card off so easily from my current account. Reviewed on: 7th April 2026

Very good.

Very good. Easy to use and understand. Helps keep everything in control and easily viewable so you know if you’re doing bad anywhere. Reviewed on: 7th April 2026

The best bank I dealt with

I had multiple interactions with the bank for help on my account and credit card. The Monzo did their best to help resolve my problems always Reviewed on: 7th April 2026

A great way to budget and protect purchases.

A great way to budget and protect purchases. I have used flex for three years now. It is great for spreading the cost of big purchases, either interest free or over longer. I have never had an issue using it, approval requests are always instant. I can freeze it or update the card details if something bad happens. Reviewed on: 7th April 2026

Best credit card on the market

Easy to setup the choice of payment is so flexible why all credit cards aren’t like this is beyond me keeps you informed constantly no chance of a missed payment Reviewed on: 7th April 2026

Good service

Good options on credit card, option plans to pay off are affordable Reviewed on: 7th April 2026

They are really helpful!

They are really helpful! Give great support and make it really clear to see where the spending is going. Additionally, they make it really easy to categorise payments and to create pots to help with spending! Reviewed on: 7th April 2026

excellet

The interface is still the gold standard. Features like Pots (to set money aside), Round-ups (saving spare change), and Instant Spending Notifications make it incredibly intuitive. Reviewed on: 7th April 2026

Excellent - flexible so allows me to budget my life...

Excellent - flexible so allows me to budget my life and just makes things easier Reviewed on: 7th April 2026

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