American Express UK The Platinum Card vs Monzo Flex: fees, rewards and APR compared - DebitCue Skip to content
DebitCue

Select your country to see available cards

Card eligibility and availability depend on your country of residence. Setting it now lets us hide cards that are not offered in your country.

Head-to-head

American Express UK The Platinum Card vs Monzo Flex

Compare American Express UK The Platinum Card and Monzo Flex side by side: fees, rewards, APR, and perks.

Last verified

Compared side by side

Cells with a check mark are the stronger value in that row. Ties stay unmarked.

American Express UK The Platinum Card versus Monzo Flex compared by attribute
Feature American Express UK The Platinum Card Monzo Flex
Card fee £650 GBP/yr (≈ $810) No fee
Purchase APR (from) 29.1% 29%
Interest-free period 56 days -
Foreign transaction fee 0% 0%
Rewards 1 Membership Rewards point per £1 on all spend. Points transfer 1:1 to Avios, Virgin Points, and multiple airline and hotel partners including Hilton, Marriott, Accor, Club Eurostar, and Nectar. Earn cashback at selected partner brands (2–10% depending on offer; partners include Asda, Boots, Currys, Disney+, eBay, Foot Locker and others). Offers are personalised and time-limited; cashback credited to a Cashback Pot within 2–3 days.
Installments Flexible instalment plan available Pay in full at next payment date (0% interest); or split any purchase of £100+ into 3 months at 0%; or spread over 6, 12 or 24 months at 29% APR (variable). No early repayment fee.
No card fee -
No foreign transaction fee
Welcome bonus -
Airport lounge access -
Travel insurance -
Apple Pay / Google Pay

Which is right for you

Pick by how you spend

  • Choose the American Express UK The Platinum Card if its checked rows above line up with how you spend most.
  • Choose the Monzo Flex if it wins on the features that matter most to you.
  • Still unsure? Read each full review below, then apply on the issuer's secure site.
Full review American Express UK The Platinum Card Full review Monzo Flex

Want a different match-up?

Line up any two cards side by side, or browse the full list to find your next card.

Compare other cards Browse all cards