Santander All in One credit card review 2020

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Long interest-free periods, cashback and no fees on holiday spending are all features of this Santander credit card.

The Santander All in One Credit Card is an all-singing, all-dancing all-rounder that comes with a small monthly fee.

You say: ★★★★★We say: ★★★★★

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).

26 months

0% interest on balance transfers

0%

Balance transfer fee

26 months

0% interest on purchases

21.7%

Representative APR

Details

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
Incentive0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Cashback details0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Santander’s All in One is a true all-rounder, with long 0% deals on both purchases and balance transfers, no fees on currency conversion and even cashback on all your purchases. So if you’re already paying off a balance, but you’re anticipating further spending, this card could be worth a closer look.

It’s a market-leader for 0% balance transfer deals with no transfer fee, but unlike many of its competitors, comes with an ongoing account fee of £3 per month.

For those needing a card that fulfils multiple needs, it’s likely to be competitive, but if you only want to save on existing card debt, or if you only want to spread the cost of a large upcoming expenditure, there are longer 0% deals available on more specialised cards. Similarly, if you’re in it for the rewards, you won’t need to look far to find more generous schemes.

Pros and cons

Pros

  • Customers report excellent customer service when dealing with Santander.
  • Over two years of 0% interest to focus on reducing existing card debt.
  • Over two years to spread the cost of purchases.
  • No balance transfer fee.
  • Avoid currency conversion charges when spending abroad.
  • Earn cashback on day-to-day spending.

Cons

  • £3 monthly account fee.
  • Minimum annual income requirement of £7,500.
  • Applicants with low credit scores are unlikely to be eligible.

Comparison with other “balanced” 0% purchase and balance transfer cards

Table: sorted by length of 0% balance transfer offer, promoted deals first
Data indicated here is updated daily
Name Product Balance transfers Balance transfer fee Purchases Annual/monthly fees Rep. APR Incentive Link
M&S Bank Shopping Plus Mastercard
0% for 20 months reverting to 19.9%
2.9% (min. £5)
0% for 20 months reverting to 19.9%
£0
19.9% (variable)
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).
Check eligibility
More Info
HSBC Purchase Plus Credit Card Visa
0% for 18 months reverting to 22.9%
2.9% (min. £5) for transfers in first 60 days
0% for 18 months reverting to 22.9%
£0
22.9% (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
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).
Check eligibility
More Info
Santander All in One Credit Card Mastercard
0% for 26 months reverting to 15.9%
0% for 26 months reverting to 3% (min. £5)
0% for 26 months reverting to 15.9%
£3 per month
21.7% (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
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).
More Info
TSB Platinum Purchase Card
0% for 20 months reverting to 19.95%
2.95% for 3 months reverting to 3%
0% for 20 months reverting to 19.95%
£0
19.9% (variable)
Representative example: When you spend £1,200 at a rate of 19.95% (variable) per annum, your representative APR is 19.9% APR (variable).
More Info
Sainsbury's Bank Dual Offer Credit Card Mastercard
0% for 20 months reverting to 20.95%
3% (min. £3)
0% for 20 months reverting to 20.95%
£0
20.9% (variable)
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).
More Info
MBNA 0% Transfer and Purchase Credit Card
0% for 18 months reverting to 20.93%
2.99% for 2 months reverting to 5%
0% for 18 months reverting to 20.93%
£0
20.9% (variable)
Introductory 0% purchase offer only applies to purchases made within 60 days of opening.
Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
More Info
Barclaycard Platinum 18 Month 0% Purchase and Balance Transfer Visa
0% for 18 months reverting to 21.9%
2.9%
0% for 18 months reverting to 21.9%
£0
21.9% (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive presale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).
More Info
Santander World Elite Mastercard
0% for 18 months reverting to 18.9%
0% for 18 months reverting to 3% (min. £5)
0% for 18 months reverting to 18.9%
£15 per month
49.8% (variable)
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).
More Info
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Compare up to 4 providers

Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

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.

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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2 Comments

  1. Default Gravatar
    Mike
    March 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.

    • Avatarfinder Customer Care
      Joshua
      March 5, 2019

      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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