Santander All in One Credit Card
The Santander All in One bundles flat-rate cashback, no foreign transaction fees and a 0% introductory balance-transfer period into a single monthly-fee card.
Why it ranks
- Combines cashback and no FX fees
- Useful introductory balance-transfer offer
- Simple flat cashback rate
What holds it back
- Charges a fixed monthly fee
- Cashback is capped per statement period
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
The Santander All in One bundles flat-rate cashback, no foreign transaction fees and a 0% introductory balance-transfer period into a single monthly-fee card.
Santander All in One Credit Card at a glance
| Issuer | Santander UK |
| Card network | Mastercard |
| Annual fee | £36 |
| Welcome bonus | Introductory 0% on balance transfers |
| Rewards rate | 1% cashback on all purchases |
| Intro APR | 0% on balance transfers for an introductory period |
| Regular APR | Approx. 29.8% APR representative (variable, incl. fee) |
| Foreign transaction fee | 0% on foreign currency purchases |
| Credit needed | Good credit history |
| Best for | Those wanting cashback and fee-free travel together |
| Airport lounge access | No |
Rewards & benefits
- 1% cashback on all purchases
- No foreign transaction fee worldwide
- Introductory 0% period on balance transfers
- Manage everything via Santander online and mobile banking
Eligibility & who it suits
- UK resident aged 18 or over
- On the electoral roll at your current address
- Good credit score
- Pass Santander affordability checks
How to apply
Check current rates on Santander UK’s official site →
This opens the issuer’s official application page in a new tab. We may earn a commission if you are approved — it never changes the terms you receive.
Rates, fees, welcome offers and benefits are provided for general information, can change at any time, and may not reflect current terms. Always confirm the latest details on the issuer’s official site before applying. This is not financial advice.
How it ranks against similar UK cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SUSantander UKSantander All in One£36/yr · UK Santander All in One Credit CardThose wanting cashback and fee-free travel together |
£36/yr | 1% cashback on all purchases | Introductory 0% on balance transfers | 0% on foreign currency pur… | Good credit history | |
| 2 | AEAmerican Express UKPlatinum Cashback EverydayNo annual fee · UK American Express Platinum Cashback EverydayEveryday spenders wanting fee-free cashback |
None | Up to 5% intro then 0.5%-1% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history | |
| 3 | AEAmerican Express UKPlatinum Cashback£25/yr · UK American Express Platinum CashbackHigher spenders who want maximum cashback |
£25/yr | Up to 5% intro then up to 1.25% ongoing (tiered) | Higher cashback rate for the first three months | 2.99% on foreign currency… | Good credit history | |
| 4 | NNatWestReward£24/yr · UK NatWest Reward Credit CardNatWest customers who want simple everyday rewards |
£24/yr | 1% at supermarkets, more with MyRewards partners | Occasional bonus Rewards promotion | Non-sterling transaction f… | Good credit history |
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