
Looking for a credit card that rewards your spending, supports your travel, and helps you manage debt—all at once? The Santander All in One Credit Card brings together cashback, interest-free periods, and zero foreign transaction fees in a single, easy-to-use solution.
Whether you’re planning a major purchase, want to simplify your monthly payments, or need flexibility while travelling abroad, this card adapts to your lifestyle with real, everyday benefits.
🌟 Key Benefits of the Santander All in One Credit Card
- 0% interest on purchases for 15 months
Spread the cost of shopping or big buys without paying interest for over a year. - 0% interest on balance transfers for 15 months
Pay off existing credit card debt faster with no interest charges (3% fee applies). - No foreign transaction fees
Use your card abroad without extra charges on currency conversion—perfect for holidays or business trips. - 0.5% cashback on your spending
Earn real money back on eligible purchases, up to £10 per month—no points, no hassle. - Manage everything in one place
Control your account easily via online banking or the Santander mobile app.
📊 Representative Example – Santander All in One Credit Card
Monthly fee | Assumed credit limit | Purchase rate | Representative APR |
---|---|---|---|
£3 | £1,200 | 23.9% p.a. (variable) | 29.8% APR (variable) |
✅ Who Can Apply?
To be eligible for the Santander All in One Credit Card, you must:
- Be 18 or older and a UK resident
- Have a regular income of at least £10,500/year
- Own a UK bank account
- Have a good credit history (no recent CCJs or bankruptcies)
- Not currently hold the Santander All in One Credit Card
📝 How to Apply

- Check your eligibility – Use the Santander online checker (won’t affect your credit score)
- Complete the online form – Provide your personal and financial details securely
- Submit and wait for a decision – Santander will perform a full credit assessment
- Receive and activate your card – Once approved, you can start using your card right away
🙋 Frequently Asked Questions
💬 Can I use this card abroad?
Yes! You won’t be charged foreign transaction fees when spending overseas.
💬 How is cashback paid?
Cashback is calculated automatically each month and applied directly to your account (up to £10/month).
💬 Can I transfer balances from other cards?
Yes, multiple balance transfers are allowed, up to your credit limit, within the 15-month promo period.
💬 Will this affect my credit score?
Only once you apply. The eligibility check won’t impact your score, and responsible use may even improve it.
🧾 Final Thoughts
The Santander All in One Credit Card is a smart choice for people who want more from a credit card: value, flexibility, and simplicity. With cashback on daily purchases, interest-free periods, and global usability, it’s a well-rounded option for both everyday life and big plans.
If you’re after a card that works harder for you—at home or abroad—this might just be the one.