Monzo Flex Credit Card
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).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
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.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| 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/Rewards (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 Fee | £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 |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 0 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 0 |
| Duplicate Statement | £ |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 0% |
| Cash Withdrawal Minimum Charge | £ 0 |
| Foreign Usage EU | 0.00% |
| Foreign Usage World | 0.00% |
Application Requirements
| Availability | Only available to customers with a Monzo account. |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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