Santander All in One Credit Card review 2022

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.

  • 0% interest on purchases and balance transfers, plus no balance transfer fee.
  • Account fee of £3 per month.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £3 per month, your representative rate is 24.7% APR (variable).

26 months

0% interest on balance transfers


Balance transfer fee


Representative APR

23 months

0% interest on purchases


Annual/monthly fees£3 per month
Balance transfers0% for 26 months reverting to 18.9%
Balance transfer fee0% for 26 months reverting to 3% (min. £5)
Purchases0% for 23 months reverting to 18.9%
Purchases interest-free periodUp to 56 days
Cash advances29.9%
Minimum credit limit£500
Maximum credit limitNot specified
Additional cards available3
0.5% cashback on all your eligible purchases, paid monthly into card account. Maximum spend for cashback purposes is limited to credit limit. Terms apply.
Additional Rewards InfoEarn up to 15% cashback with your selected Retailer Offers at selected major retailers.
Potential costs★★★★★
Doing its job★★★★★
Overall Finder rating★★★★★

Review by

Emily Herring is a Publishing Executive at Finder specialising in credit-based products including credit cards and business and personal loans. Emily has a Masters in Creative Writing & Publishing and a Bachelor of Arts in Communication & Media.

Expert review

True to its name, the Santander All in One Credit Card has almost everything you need in an everyday credit card. From its extended 0% interest periods on purchases and balance transfers to its lack of foreign usage fees, this card will help you fill multiple needs both at home and on holiday. With the added perk of earning cashback every time you spend, this card may genuinely save you money (if used correctly) and is a high contender in the all-rounder credit card game.

By making use of the long 0% interest periods on purchases and balance transfer offer, it will help take a little weight off of your shoulders for any outstanding balances (as long as you pay them off before the offer expires). Santander is known for its competitive 0% balance transfer deals with no transfer fee, so if you’re in the market for a new everyday card and still have some existing balances to pay off, this card (as well as its cousin cards) could be worth a closer look.

With all these perks there has to be a catch, right? This card does come with a monthly fee of £3 per month, which can be seen as a small price for all these benefits, but if you don’t think you’re going to benefit from all these features, there are cards that offer similar benefits for less. Similarly, if you’re only looking at this card for its interest free periods and cashback rates, there are cards that offer longer 0% deals and far more generous rewards schemes. Not to mention, that you have to have a good credit history to be considered for this card’s advertised rates.

Although a 0.5% cashback rate and a £3 per month account fee isn’t the juiciest offer on the market, when you factor in all the other perks this card has to offer, it can be easily overlooked and for those needing a card that fulfils multiple needs, it’s likely to be competitive.

Pros and cons of the Santander All in One Credit Card


  • 26 months of no interest on balance transfers
  • Almost two years to spread the cost of purchases
  • No foreign transaction fees if you pay in the local currency
  • Earn 0.5% cashback on all your spending (no cap)
  • No balance transfer fee


  • £3 monthly account fee
  • Minimum annual income requirement of least £7,500
  • Applicants with low credit scores are unlikely to be eligible
  • 3% cash transaction fee (£3 min)

Approval for any credit card will depend on your status. The representative APRs shown represent 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

You can make manual repayments through Santander's app, by logging in to your online banking or over the phone(0800 912 3123). 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

The verdict

Santander’s All in One credit card is a great everyday card offering a scope of features and benefits that both new and existing customers can benefit from. The competitive 0% balance transfers and purchase periods, cashback and no foreign currency fees can help you fulfil multiple needs – as long as you’re willing to shell out a small monthly fee.

While there are 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.

Eligibility criteria for the Santander All in One Credit Card

You’ll need to meet the following criteria to be eligible for the Santander All in One Credit Card:

  • Be at least 18 years old
  • Be a UK resident
  • Have an annual income of at least £7,500
  • Have good credit

How to apply for the Santander All in One Credit Card

First, you can use Finder's eligibility checker to find out if you'd be likely to get approved for the Santander All in One Credit Card. This won't impact your credit score. If it's good news, you can then proceed to Santander's online application, which takes 10-15 minutes to complete.

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" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) 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 2 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.

How much does it cost to use the Santander All in One Credit Card abroad?

The Santander All in One Card has no foreign usage fees, which means you won’t be charged additional fees on any purchases you make abroad. However, there is a 3% cash advance fee that will apply on any foreign ATM withdrawals.

What fees will I need to pay on the Santander All in One Card?

You’ll need to pay a monthly fee of £3 on the Santander All in One Card. There are also a number of additional fees that you may need to pay depending on how you use your card. These include late payment fees, cash advance fees, exceeding limit fees and balance transfer fees.

Finder credit card ratings

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You can read more about our scoring criteria on our credit card methodology page.

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  1. Default Gravatar
    February 15, 2021

    I’ll be spending a lot in dollars on the credit card – how Is the exchange rate calculated – is it at spot rate? Are there charges for the transaction ?

  2. Default Gravatar
    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
      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!


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