Monzo Flex

Key facts
Representative APR	29% representative (variable)
0% on purchases	0% if paid in full or over 3 months (purchases £100+)
0% balance transfers	—
Annual fee	£0
Foreign transaction fee	—
Standard purchase rate	29%
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.
Eligibility	Monzo current account required

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Source: monzo.com/credit-cards/flex · Last checked 30 October 2026

Figures are as published by Monzo when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.