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.
Santander All in One Credit Card review 2020
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: ★★★★★
Doing its job: 5/5
In a nutshell:
Balance transfer fee
0% interest on balance transfers
0% interest on purchases
|Annual/monthly fees||£3 per month|
|Balance transfers||0% for 26 months reverting to 15.9%|
|Balance transfer fee||0% for 26 months reverting to 3% (min. £5)|
|Purchases||0% for 26 months reverting to 15.9%|
|Purchases interest-free period||Up to 56 days|
|Min credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||3|
|Incentive||0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.|
|Cashback details||0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.|
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.
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.
The Santander All in One Credit Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.
Pros and cons
- 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
- £3 monthly account fee
- Minimum annual income requirement of £7,500
- Applicants with low credit scores are unlikely to be eligible
How does it compare with other matched 0% deals?
You can make manual repayments through Santander's app, by logging in to your online banking or over the phone (0800 389 9905). Alternatively you may wish to set up a direct debit.
A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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|
If you’re happy to shell out for a small monthly fee, the Santander All in One offers versatile perks such as long 0% balance transfers and purchase periods, cashback and no foreign currency fees. There’s also a fairly competitive purchase rate, but those looking to get the most out of this card will surely be taking advantage of the 26 months of 0% purchases.
While there’s other competitive cards with no ongoing fees, most will come up short against the features on offer with the Santander All in One credit card.
How to apply
If you've compared cards and settled on the Santander All in One Credit Card, 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.
Frequently asked questions
What credit limit will I get with the Santander All in One Credit Card?
If Santander is able to offer you this deal, the offer will specify a personalised credit limit based on Santander's assessment of your situation. The minimum limit offered on this card is £500 and Santander does not specify a maximum. Once you've had the card for a while and shown Santander that you're reliable, you may wish to apply for a credit limit increase.
Can I withdraw cash using the Santander All in One Credit Card?
Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (withdrawing cash at an ATM, getting cashback at the till, spending at a casino, buying currency, etc.) often incur steep fees and/or higher rates of interest.
The cash advance fee on the Santander All in One Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250, and you'll incur a fee of £7.50.
The interest rate on this part of your balance will be 29.9% (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).
What should I do with my old credit card after transferring the balance to the Santander All in One Credit Card?
Transferring a balance doesn't automatically close your old account. In most cases, you'll want to close the old account(s) straightaway, especially if they have an annual/monthly fee or if you might be tempted to use them in the future. There is an argument that you should keep the old account open to help your credit score. That's because doing so keeps your "credit utilisation ratio" lower (that's a measure of how much credit you're using compared to what's available to you), and helps the average age of your credit accounts. However, unless you're just about to apply for a new mortgage, it's probably fair to say that most people would prefer to have no more bank accounts open than was truly necessary.
What is the minimum payment on the Santander All in One Credit Card?
Each month you must pay at least 1% of your balance at that point or £5.00 – whichever of the two figures is greater. So if you had, say, £450.00 outstanding, you'd pay £5.00, and if you had £2,000.00 outstanding, you'd pay £20.00.
Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires.
Can I request an additional Santander All in One Credit Card?
Yes, in fact, you can request up to 3 more. There's no fee for additional cards. Plus, with additional cards, you could earn cashback at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.