Echoing what others have mentioned already in this thread, I feel like Monzo Plus is a work in progress rather than a finished product.
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Being able to link my other accounts is a brilliant idea, however, my credit cards are not currently supported.
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Virtual cards are also a brilliant idea, however only any use to me if I can link them to a pot, to use the Salary Sorter to separate my bills and have them come out separately. One of the main reasons I moved to Monzo was for the Salary Sorter to move everything in-house, instead of transferring to a separate ‘bills’ current account and this would finish it off.
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The credit tracker is handy, however most credit agencies don’t use transunion and there’s not tons of detail, especially for a paid service.
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The ‘offers’ are good also, however they do not seem exclusive but more like a leaflet I might get in the post. Similar to what others have mentioned, a cashback with selected retailers scheme would be much more attractive.
Despite this constructive criticism, I have joined Monzo plus both to support the bank which has an exciting future, and because it has promise and will be great. Keep up the good work and I am excited to be a part of what is in many ways the cutting edge of fintech developments.