Santander UK
Cashback
•••• •••• •••• 5188
VALID THRU 12/29
Santander All in One Credit Card
🇬🇧 United Kingdom Best 3-in-1 UK All Rounder Credit Card

Santander All in One Credit Card

Issued by Santander UK

The ultimate triple-threat British credit card: 0.5% cash back on all spending, zero foreign exchange transaction fees anywhere abroad, and a long 26-month 0% balance transfer offer.

Annual Fee £3 / month (£36 / year)
Reward Rate 0.5% Cashback on All Purchases + Zero Foreign FX Fees
APR / Profit Rate 28.9% Representative APR Variable

Exclusive Features & Cardholder Privileges

✓

26 Months 0% Balance Transfer

Pay 0% interest on balance transfers for 26 months with 0% balance transfer fee.

✓

No Foreign Transaction Fees Anywhere

Enjoy fee-free purchases abroad in any currency with Mastercard exchange rates.

✓

0.5% Unlimited Cashback

Earn 0.5% cash back on all everyday retail spending paid monthly into account.

✓

Santander Retailer Offers

Up to 15% cashback at top high street stores and restaurants.

RichQuill Editorial Verdict: Pros & Cons

✓ What We Like

  • No foreign transaction fees abroad
  • Huge 26-month 0% balance transfer offer with no transfer fee
  • 0.5% cash back on all purchases

⚠ Considerations

  • £3 monthly account fee (£36/year)

Detailed Fees & Specifications

Card Name Santander All in One Credit Card
Issuing Financial Institution Santander UK (London, United Kingdom)
Card Network MASTERCARD
Card Type Credit Card
Primary Category Cashback
Annual Fee £3 / month (£36 / year)
Interest Rate / APR 28.9% Representative APR Variable
Rewards & Cashback Rate 0.5% Cashback on All Purchases + Zero Foreign FX Fees
Foreign Transaction Fee £0 (Zero Foreign Transaction Fees Abroad)
Airport Lounge Access None
0% Installments / Financing 26 Months 0% Interest on Balance Transfers (0% transfer fee)
Welcome Bonus Offer 0% on Balance Transfers for 26 Months (0% balance transfer fee)
Eligibility & Credit Score UK Resident with Good Credit Score