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Monzo Credit Cards

1 CARD

Monzo, a digital-first challenger bank, offers a modern approach to banking with credit card services fully integrated into its popular mobile app. Monzo delivers features like real-time spending notifications, budgeting tools, and easy in-app management of credit limits and payments. You can also earn cashback on eligible purchases, whether using your personal or joint account, and even when checking out with Apple Pay and Google Pay – available with Plus, Premium, and Flex Credit Cards.

Monzo

Flex Credit Card

4.4

OUR RATING

Representative APR

29.0% APR (variable)

Purchases

29.0% (variable) p.a.

Balance Transfers

Not Available

Account Fees

£0

Representative Example:

At an assumed credit limit of £1,200, with a purchase rate of 29% (variable) p.a., most accepted customers get a rate of 29.0% APR (variable).

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4.4

OUR RATING

Quick Look

The Monzo Flex Credit Card offers no fees on foreign transactions and 0% interest on purchases of £100 or more when paid in full or spread over three monthly installments. For everything else, the card charges 29% APR representative (variable) for up to 24 monthly payments. If you miss a payment, you may lose the 0% rate on existing purchases. Applicants must have a Monzo current account to be eligible for the Flex feature, which allows flexible payment options.

Issuer	Monzo
Network	Mastercard
Primary Category	Cashback
Loyalty Scheme
Incentive on opening	You can benefit from interest-free purchases when you pay in full on your next payment date or spread purchases over £100 across three monthly payments. You can also spend abroad with no fees.
Cashback rate (if applicable)	You can earn unlimited cashback on eligible card purchases you make on your Flex Credit Card. You’ll also earn cashback if you checkout using Apple Pay and Google Pay. You need to be a personal current account customer.
Account Fees	£0
Purchases	29.0% (variable) p.a.
Purchases Interest Free Period	90 days
Balance Transfers	Not Available
Balance Transfer Fee (%)
Cash Advances	Not Available
Minimum Credit Limit	£ 0.00
Maximum Credit Limit	Subject To Status: £10,000

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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