Monzo Flex
Cash back
Monzo Flex
Monzo - Mastercard - Credit card
4.8
4.8 out of 5
9.6/10
Apply now
Head-to-head
Monzo Flex vs Virgin Money Balance Transfer Credit Card (36 Month)
Compare Monzo Flex and Virgin Money Balance Transfer Credit Card (36 Month) side by side: fees, rewards, APR, and perks.
Last verified
Virgin Money Balance Transfer Credit Card (36 Month)
No rewards
Virgin Money Balance Transfer Credit Card (36 Month)
Virgin Money - Mastercard - Credit card
3.9
3.9 out of 5
7.8/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Flex | Virgin Money Balance Transfer Credit Card (36 Month) |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 29% | 24.9% |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 2.99% |
| 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. | - |
| 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 Virgin Money Balance Transfer Credit Card (36 Month) 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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