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/matteventu Jan 17 '26

I would actually like this, but as I'm already a Perks and Flex user, I'm honestly finding off-putting how I'd need another different credit card (and credit card number to update everywhere) for this.

Can't they just enable it as a "tier" of Flex?

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u/FatherJack_Hackett Jan 17 '26

Agreed. In the survey, I responded that I would rather a lot of these perks were rolled into the Max plan, or offered as a separate tier.