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:
0% interest on balance transfers
Balance transfer fee
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.
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.
Comparison with other “balanced” 0% purchase and balance transfer cards
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.