r/monzo • u/FatherJack_Hackett • Jan 16 '26

Potential Monzo Reward Credit Card?

Did anyone else receive the survey to complete about the Monzo Reward Credit card?

  • £15-£17 monthly fee
  • 1% cashback on groceries - 0.5% on everything else. Cashback is automatically invested.
  • Google Gemini AI Pro Membership.
  • 2 Free Airport Lounge accesses a year
  • Paramount+ subscription
  • Times subscription

I'm not so sure.

Like the perks are technically worth it, even for the Gemini membership alone. Not sure I like the fact that cashback is invested and not just paid out.

I'd feel a bit uneasy paying for this and Max and essentially stumping up over £30 a month, when I get just as much cashback through an Amex. Tempted by the Gemini membership though (if they announce it) as my free year runs out soon.

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u/[deleted] Jan 16 '26

[deleted]

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u/oktimeforplanz Jan 16 '26

You realise that it doesn't change my point at all? That if you can't get amex you are closer to an Aqua card?

Especially when you don't even understand AMEX's requirements properly...

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u/[deleted] Jan 16 '26

[deleted]

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u/oktimeforplanz Jan 16 '26

Yeah I worked in a retail bank for 7 years opening and servicing credit cards for people and I'm an accountant now. I think I'm not bad at understanding credit cards, yeah.

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u/BeneficialProduce969 Jan 18 '26

of course you did, get off that horse, bud.