Monzo’s definitely not going to offer credit cards (in the foreseeable future) -
The plan is to set up a marketplace bank, which will enable Monzo users to choose from a range of providers, to choose the solution that works best for them.
This is something that Tom’s thinking about (& asking for feedback on) -
https://community.monzo.com/t/what-about-credit-cards/5373/4?u=alexs
And yes this is the best place to ask these questions 