They’re focusing on making the best current account possible for now. That’s all I know.
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Hopefully it will get done sooner rather than later and we will get the chance to apply for Monzo CC one day. Credit cards are more useful compared to debit cards 
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If you are someone who finds credit cards useful for the “perks”, I’m not sure Monzo would ever be able to match the likes of AMEX with the rewards (unless the marketplace becomes a real winner).
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I don’t bother with air miles or stuff like that. But i wouldn’t purchase holidays or anything expensive without Consumer Credit Act protection. So no debit card for big purchases, no big, fat interchange fee for Monzo in this case, and I would like it to go to them 
I’m not trying to tell you what to do, but you are massively missing out on free money (literally), if you only do it to take advantage of the extra protection etc.
Even a basic cash back credit card would be a start (I just saved over £1500 by cashing in Air Miles with Amex).
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Take the original Monzo prepaid card. Made it a real credit card with 0.5% cashback. Done.
Hell even charge me £20 a year for it.
£20.00 a year with half a percent cash back? No thanks.
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Who pays for the cashback?
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Interchange fees.
Why? You’d break even after the first £4k
How do you do this with Amex?
I make daily payments to Amex online through the app, but I think FPS would be cheaper for Monzo so would love to do it that way if possible!
Aren’t they capped at 0.3% ?
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Who would spend 4k on a credit card? I certainly didn’t when I had a credit card.
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Over an entire year?
Food shopping alone would do that for my family (maybe we eat too much 
)
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The problem is that many of us have more than one credit card. I guess eating even more youd be the only solution then!
It depends how you use your credit cards.
I’ve never paid a penny of interest - I purely pay it off in full each month.
There seems little point in having multiple credit cards if you do this (unless I’m missing something).
To be fair, I do have an AMEX for the majority of spend, and a Tesco Credit card for anywhere that doesn’t take AMEX (and it’s a larger purchase).
I at one point got myself into a bit of a churning wormhole trying to maximise the credit cards cashback/benefits…
Had my AMEX for as many purchases as I could put on it - cash back in year one was great - but largely as all my work expenses went on it.
Then used a TSB (debit) for my tube travel - contactless transactions up to £100 would give cashback. I spend about £100 on travel a month so that worked.
Then I had a back up credit card for when my AMEX failed - can’t remember which one it was but only real benefit was a low interest, but was irrelevant because I paid it off every month.
(then my main current account card, plus Monzo)
The problem was for me having all these cards meant I just got lost in where I was with my budget - due to all the accounts to keep an eye on, and invariably spent more than I would benefit, or got myself stuck on the Credit Card float.
I decided when I went FullMonzo that the benefit for me was the simplicity - so I rationalised the lot. I keep 3 cards in my wallet now (Monzo, Amex, Other Credit Card); and only use a credit card for purchases where I would value the credit card protection.
If there was a credit card that worked functionally similar to Monzo I’d be up for using it - or if Monzo had a credit offering under the same app I would be very happy.
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You fell into legacy banks’ trap. Nasty, rusty trap. Not only you, by the way 
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Would credit cards not require a huge amount of money to be set aside for lending? 50,000 users with a £1000 limit is more than pocket change
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