0% time and time again
0% interest over 3 months on purchases of £100 or more, as often as you need.
Credit cards
Credit cards for wherever you’re at
Whether you're looking to build your credit, spread out bigger purchases or put your money to work, there’s an option for you.
You'll need a Monzo current account to apply. Eligibility criteria and Ts&Cs apply. UK residents & 18+ years olds only. Missed payments may negatively impact credit scores.
The App Store, Google Play Store and Trustpilot ratings are correct as of 27 Apr, 2026.
The Monzo Credit Cards
Different options for different credit scores and how you tend to spend. All with flexible repayment options and no hidden fees.
Flex Build
The credit builder card that keeps getting better. Double your limit, unlock 0% interest and give your credit score a helping hand.
Representative example: Representative APR 39% (variable). Credit limit £750. Yearly interest 39% (variable).
Flex Purchase
Not your average credit card. With 0% interest options that won't expire and credit limits up to £10,000.
Representative example: Representative APR 29% (variable). Credit limit £1,200. Yearly interest 29% (variable).
Aura
The credit card that invests as you spend. Auto-invest up to 1% cashback every time, with partner perks worth over £360 a year.
Representative example: Representative APR 64.2% (variable), includes £15 a month fee. Credit limit £1,200. Yearly interest 29% (variable).
Available with all our credit cards
No matter which card you go for.
No overseas fees
We’ll charge you the Mastercard exchange rate and nothing extra, wherever you are.
Section 75 protection
Spend without worry. You could get your money back if something goes wrong.
And the usual Monzo magic
Get instant notifications, real-time balance updates and added security, all in the app.
Side-by-side comparison
Clearly see what each credit card has to offer.
The credit-builder card that keeps getting better
Yearly interest rate
39% (variable)
Credit limit
Up to £750
Purchase protection (Section 75)
No overseas fees
0% interest if you pay in full
Unlock 0% interest over 3 months (on purchases over £100)
Pay on time to double your limit in as little as 3 months
Can help improve your credit score
0% interest over 3 months on bigger purchases, as often as you need
Yearly interest rate
29% (variable)
Credit limit
Up to £10,000
Purchase protection (Section 75)
No overseas fees
0% interest if you pay in full
0% interest if you pay in 3 months (purchases over £100)
Flex purchases from up to 2 weeks ago
Auto-invested cashback and partner perks worth £360+ a year
Yearly interest rate
29% (variable)
Credit limit
Up to £15,000
Everything you get with Flex Purchase, plus:
1% cashback on groceries, 0.5% on everything else - uncapped
Auto-invested cashback (and round-ups)
Fee-free Monzo Investments (you’ll only pay a fund management cost)
Apple TV
Google AI Plus: Gemini Pro, 2TB storage
2 airport lounge passes and 2 fast track passes a year
Ready to go?
Join Monzo to apply in just a few steps.
Step 1
Open a free Monzo account
You need a free Monzo current account to apply for a credit card. It only takes 10 minutes to apply, and comes with loads of innovative features to help you spend and save. Join Monzo today.
Step 2
Check you're eligible for a credit card
Check if you’re eligible in a few steps, without impacting your credit score.
Step 3
Add your credit card to your digital wallet and use it in-store, online and in-app straight away.
Questions? Answers.
Should I get a credit card?
That really depends on you and what you’re looking to achieve. In general though, using a credit card and paying it off in full each month can be a good way to build your credit score and protect purchases. You can also get credit cards that reward you for your spending.
If you don’t pay your credit card off in full each month high interest rates can cost you money so you’ll need to watch out for that. There’s also a risk that having a credit limit tempts you to pay for things you can’t afford.
Is it better to get a credit card or a loan?
That really depends on you and how you plan to use the credit.
A credit card is a form of ‘revolving credit’, which means you can keep reusing and repaying it (as long as you stay within the limit). Most credit cards let you be flexible about how much you repay each month, although you’ll need to meet the minimum payment.
A loan is a lump sum that you repay over several months or years, plus any interest or fees. Loans are commonly used for large, one-off expenses, like home improvements or a wedding. You can typically borrow bigger amounts at lower rates with a loan, but you can't reuse the funds once they've been repaid. Loans tend to give you less flexibility, as your payments will normally be the same each month.
What is Section 75 protection?
Section 75 protection means you could get your money back if you buy something between £100 and £30,000 and it turns out to be faulty or doesn't turn up.
Do Monzo Credit Cards charge fees for spending abroad?
Nope, we charge you Mastercard’s exchange rate and nothing else.
What’s the difference between Flex Build, Flex Purchase and Aura?
We recommend checking out the side-by-side comparison table to see how the benefits stack up between the three.
In short though, Flex Build is the credit card designed to give your credit score a helping hand. Flex Purchase is for everyday borrowing and spreading costs. And Aura is the credit card that earns you cashback and then auto-invests it for you, with partner perks thrown in too.
Time to go full Monzo
Use the Current Account Switch Service to close your main current account and move everything over to us. Once you’ve opened an account, tap the '+' sign in the app and find 'Switch to Monzo’.
We move your money, Direct Debits and standing orders over
We redirect incoming payments (including your salary)
We close your other bank account
You choose a switch date and we'll do the rest in 7 working days
Get more from Monzo
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