Monzo customers have been asking for a credit card for a while however something to think about is how many times people complain in the forum about not being eligible for a overdraft or loan.
Monzo’s lending criteria is in simple terms “bipolar” and even people with amazing credit have been turned down by Monzo
I would love to see stats on decline v acceptance rates. People don’t seem to come on the forum to say ‘yay’ I have been accepted, they seem to come here to moan they haven’t…
Risk apettites with all lenders change on a regular basis, don’t think it’s just a Monzo thing.
Like the idea of a collab with Amex though!! 
As ever, people are going to want different things: 0% on purchases, 0% on balance transfers, seamless integration with the app, cash back or rewards, free to use abroad, etc
Some of these things don’t feel very monzo to me (I don’t think the 0% offers are terribly consistent with responsible lending for example), and others are very difficult to offer (eg cash back), so I’m not sure how credit cards might look if/when they arrive.
I like the Tymit credit card of splitting each transaction into a fixed amount of payments. With upto three months without interest.
Their technology stack still has teething issues, despite improvements.
Also I want credit card to have a separate card / feed in Monzo for work expenses and Section 75 protection.
Thinking to actually get Santander zero for that purpose alone. As Tymit seems akward.
No but it’s apparently coming soon 
What an earth is Tymit Boost? Had Tymit for a while but never heard of that
I’d love to have a Monzo Credit Card, fingers crossed!! 
Tymit boost is basically a secured credit card! You can only spend what you load onto the card. But I think If you manage it well they will offer you the normal card after a period of time.
The 0.3% interchange fee cap applies to any amex co branded card. Lloyds discontinued it’s amex cards for this reason. The costco card has had the same fate. Don’t expect big rewards.
Honestly has it lowered processing fees as most small businesses round here take amex even with its uncapped interchange on most it’s cards.
Yep I get the impression lots of Monzo customers would happily get a Monzo credit card.
Not sure why Monzo haven’t done one yet, it seems like a simple product that would help direct the bank towards being profitable
Monzo are really risk adverse, I don’t think they’ve made any profit from their loans, so this could be a reason why the won’t offer a credit card.
is working on a (currently) unpublished feature which seems to be related to offering credit - most people would call it credit card development.
Source: Monzo Credit Card - what and why! - #79 by TheoGibson
Credit card - please. I want to switch fully to monzo to move away from our well known bank that is frustrating to deal with all the time - but without a fully integrated credit card, my wife just won’t make the switch.
It’s not the credit side of things, apart from the protection from it being a credit card itself, as we pay in full each month. It’s the visibility of it being fully integrated, and especially from a joint account perspective - so one account shared, each of us having access to it, and with us both having a joint credit card also linked, with the visibility for all transactions through the account and credit cards, and then reporting and classification of the transactions etc.
That would be awesome, and just make it easier to manage and deal with, with all the rich technical goodness of monzo, and none of the uselessness of our current well known bank offering that makes me want to scream every time I have to deal with them.
I would not rely on a single bank as much as you pointed here 
Too risky 
Better have a few different accounts at different banks for bills, grocery spending, travelling 
It’s a marginal risk but I’d say it’s more of a temporary inconvenience (only sometimes) on the rare occasion that there is a bank/network issue.
I think this has been implemented with Monzo Flex:
Especially since you can now have a physical Monzo Flex card:
And Monzo Flex is processed as its own card:
Might be time to mark this topic as Done ?
That would be my personal opinion on it too, but it is not actually called a credit card, so I will leave it up to others to decide
What would need to change for you to consider it a credit card ?
Yes… The Clearscore mailshot said get a Monzo Flex Credit Card!
You can pay it off at the end of the month interest free - like a credit card, or you can carry a balance and pay loads of interest -like a credit card. So even if we old timers think it’s not a credit card, to normal folks it’s definitely a credit card.
I guess that’s this ancient topic nailed on the head then
Would you mind listing the reasons on here? The Flex thread is pretty long to such through and I’d be interested to read what your thoughts are.
I haven’t tried Flex and haven’t really been paying attention to it, but from the descriptions above it doesn’t sound like what l’d consider to be a credit card.
key issue for me is lack of monthly bill.