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 Biscuit by Zopa
Compare Monzo Flex and Biscuit by Zopa side by side: fees, rewards, APR, and perks.
Last verified
Biscuit by Zopa
Cash back
Biscuit by Zopa
Zopa Bank - Visa - Debit card
4.7
4.7 out of 5
9.4/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Monzo Flex | Biscuit by Zopa |
|---|---|---|
| Card fee | No fee | No fee |
| 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. | 2% cashback on eligible Direct Debit bill payments, on up to £1,500 of Direct Debits per year (maximum £30 cashback per year). Also earns 2.00% AER variable interest on the full everyday balance with no upper limit. |
| 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 Biscuit by Zopa 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.