Credit card

Monzo Flex

Cash back

MASTERCARD

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Card review

Monzo Flex

4.8 9.6/10 DebitCue Score Verified Jun 20, 2026

Buy now, pay smart – the award-winning Monzo credit card

Fee: No fee
Purchase APR: from 29%
Interest-free: -
Foreign fee: None

Rewards

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.

Our verdict

What stands out, and where it falls short.

What we like

Earn cashback at selected partner brands (2–10% depending on…
No card fee
No foreign transaction fees
Pay in installments

Worth weighing

High interest if you carry a balance

Who It Is For

Whether the Monzo Flex fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending
People who pay big purchases off over time

Rates and fees

As of June 20, 2026

All amounts shown in GBP.

Card fee: No fee
Purchase APR: from 29%
Interest-free period: -
Foreign transaction fee: None
Representative APR: 29% (variable)
Interest-free instalment option: 0% over 3 months for purchases ≥£100
Maximum credit limit: Up to £10,000

Rewards and features

Rewards: 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: 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.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Missed payment grace period: 7 days to catch up before credit file impact

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fee on purchases abroad
Section 75 protection on purchases £100–£30,000

Eligibility

What you need before you apply.

Requirements: 18+, UK resident, existing Monzo current account

Monzo Flex: your questions answered

Does the Monzo Flex have a card fee?

No - the Monzo Flex has no card fee.

What rewards does the Monzo Flex earn?

The Monzo Flex earns 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..

Does the Monzo Flex charge foreign transaction fees?

No - the Monzo Flex has no foreign transaction fees, so it suits spending abroad.

What is the interest rate on the Monzo Flex?

The Monzo Flex has a purchase APR of from 29%.

Can I pay in installments with the Monzo Flex?

Yes - 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..

Is the Monzo Flex a credit, debit or prepaid card?

The Monzo Flex is a credit card issued by Monzo on the Mastercard network.

Does the Monzo Flex support Apple Pay and Google Pay?

Yes - the Monzo Flex works with both Apple Pay and Google Pay.

Where can I get the Monzo Flex?

The Monzo Flex is currently offered in United Kingdom.

How does DebitCue rate the Monzo Flex?

DebitCue rates the Monzo Flex 4.8 out of 5 (9.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Monzo Flex?

Use the Apply now button to continue on Monzo's secure site. Comparing and applying through DebitCue is free.