Santander All in One Credit Card Mastercard Review April 2019

Santander All in One Credit Card Mastercard
Santander All in One Credit Card Mastercard

An impressive all-rounder which offers long interest-free periods, cashback and no fees on holiday spending.

The Santander All in One Credit Card Mastercard is all-singing, all-dancing – with long interest-free periods, decent rewards and no foreign transaction fees.

You can take a breather from interest on both purchases and balance transfers for the longest period offered by Santander. So if you already carry a credit card balance but you’re anticipating further spending, this card could be worth a closer look.

You could also sign up to receive cashback benefits with the Retailer Offers scheme, but all these perks come at the cost of a small monthly fee.

IssuerSantander
NetworkMastercard
Annual/monthly fees£3 per month
Balance transfers0% for 26 months reverting to 15.9%
Balance transfer fee0% for 26 months reverting to 3% (min. £5)
Purchases0% for 26 months reverting to 15.9%
Purchases interest-free periodUp to 56 days
Cash advances29.9%
Min. credit limit£500
Max credit limitNot specified
Additional cards available3
IncentiveFree access to preferential rates, exclusive offers and discounts at 123 World.
Cashback details0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Annual/monthly fees£3 per month
Balance transfer fee0% for 26 months reverting to 3% (min. £5)
Foreign usage charge (EU)0%
Foreign usage charge (rest of world)0%
Cash advance fee3% (min. £3)
Late payment fee£12
Duplicate statement fee£0
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
Minimum income£7,500
ResidencyUK Resident for more than 36 months
AvailabilityAvailable to new customers
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
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How does this card compare with other similar cards on the market?

Comparison ordered by representative APR with affiliated products shown first.
Updated April 21st, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
0% for 20 months reverting to 19.9%
£0
19.9%
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 18 months reverting to 22.9%
N/A
£0
22.9%
Earn 1 Membership Rewards® point for every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
0% for 28 months reverting to 20.95%
0% for 28 months reverting to 20.95%
£0
20.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9%
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 3 months reverting to 19.95%
0% for 29 months reverting to 19.95%
£0
19.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 3 months reverting to 20.95%
0% for 22 months reverting to 20.95%
£0
20.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 27 months reverting to 20.95%
0% for 3 months reverting to 20.95%
£0
20.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 389 9905), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Santander All in One Credit Card Mastercard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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2 Responses

  1. Default Gravatar
    MikeMarch 2, 2019

    looking for the best credit card deal for me to spend around £1000 & pay it back with 0% interest up to 20-24 months. This will have to inc purchases & can be used abroad.

    • finder Customer Care
      JoshuaMarch 5, 2019Staff

      Hi Mike,

      Thanks for getting in touch with Finder. I hope all is well with you. :)

      Santander All in One Credit Card Mastercard offers 0% for 26 months. After this time frame, it will revert to 15.9%. However, its minimum credit limit is £500. So, you would need to check if the provider would allow you to have a higher credit limit since you mentioned you want to spend around £1000.

      The card can also be used abroad and it comes with no foreign transaction fees.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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