Monzo Flex Build
No rewards
Monzo Flex Build
Monzo - Mastercard - Credit card
4.3
4.3 out of 5
8.6/10
Apply now
Head-to-head
Monzo Flex Build vs Virgin Atlantic Reward+ Credit Card
Compare Monzo Flex Build and Virgin Atlantic Reward+ Credit Card side by side: fees, rewards, APR, and perks.
Last verified
Virgin Atlantic Reward+ Credit Card
Points
Virgin Atlantic Reward+ Credit Card
Virgin Money - Mastercard - Credit card
4.1
4.1 out of 5
8.2/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Flex Build | Virgin Atlantic Reward+ Credit Card |
|---|---|---|
| Card fee | No fee | £160 GBP/yr (≈ $200) |
| Purchase APR (from) | 39% | 26.9% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 2.99% |
| Rewards | - | 1.5 Virgin Points per £1 on everyday purchases; 3 points per £1 with Virgin Atlantic and Virgin Holidays. Annual companion/upgrade voucher triggered at £10,000 spend. Points redeemable via Flying Club or Virgin Red. Earn rate is double the free card. |
| Installments | Pay in full each month at 0% interest; or spread payments over 1–24 months at 39% APR (variable). No early or late repayment fees. | - |
| 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 Monzo Flex Build if its checked rows above line up with how you spend most.
- Choose the Virgin Atlantic Reward+ Credit Card 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.
Want a different match-up?
Line up any two cards side by side, or browse the full list to find your next card.