Write a review

Go to business site

Monzo: Flex Purchase credit card reviews

Name: Flex Purchase credit card
Rating: 4.97 (3171 reviews)

View other Monzo products

4.97

Based on 3,171 reviews, last reviewed 21st Apr 2026

12880% 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

Flex card has been great so far, able to control pay... Flex card has been great so far, able to control paying it off before the interest gets charged is a massive help. Reviewed on: 21st 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

Read all reviews Write a 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.

Review Monzo: Flex Purchase credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

Monzo Flex Purchase credit card reviews (3171)

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

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

Cashback Plus Credit Card
from RBS 4.14 from 8 reviews
Cashback credit card
from Lloyds Bank 4.72 from 18 reviews
Credit card
from PayPal 4.92 from 64 reviews

Want to see more from Monzo?

Contents insurance
from Monzo 5.00 from 6 reviews
Under 16s account
from Monzo 4.97 from 944 reviews
Investments
from Monzo 4.94 from 1131 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