Monzo Flex
Cash back
Monzo Flex
Monzo - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
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Head-to-head
Monzo Flex vs Monzo Perks
Compare Monzo Flex and Monzo Perks side by side: fees, rewards, APR, and perks.
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Monzo Perks
Cash back
Monzo Perks
Monzo - Mastercard - Debit card
4.3
4.3 out of 5
8.6/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Flex | Monzo Perks |
|---|---|---|
| Card fee | No fee | £7 GBP/mo (≈ $9) |
| Purchase APR (from) | 29% | - |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 0% |
| 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. | All Extra-tier cashback and savings features, plus lifestyle perks: weekly Greggs treat voucher, annual 1/3-off Railcard, monthly Vue cinema ticket, and Uber One membership trial. 0.50% AER savings boost on instant-access pots. |
| 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. | - |
| 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 if its checked rows above line up with how you spend most.
- Choose the Monzo Perks 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.
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