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This card combines cashback rewards, no FX fees, and 0% on both balance transfers (15 months) and purchases (up to 15 months) in one product.

Santander All In One Credit Card Review

Santander’s All In One credit card is interesting because it combines cashback, 0% on purchases and balance transfers and no FX fees all in one card - it's unusual to find one card offering all of these features in the UK market. But you will pay £3 a month to get this card. What else does it offer?

Representative example: Representative 29.8% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 23.9% p.a. (variable) and a £36 annual fee (£3 charged monthly).

Always make sure you can afford repayments.

Cashback on the All In One card

The All In One pays 0.5% cashback on all purchases, capped at £10 a month. That cap is reached at £2,000 of monthly spending — above that, no further cashback is earned.

At the £10 monthly maximum, cashback comes to £120 a year against the £36 annual fee. The break-even point is £600 of monthly spending on the card: below that, the 0.5% earns less than the £3 monthly fee costs.

Cashback is separate from Santander Boosts, which offers additional personalised rewards on top (see below).

Santander Boosts

Santander has done away with their Retailer Offers (which provided for short-lived discounts at some popular retailers), but they've replaced these with Santander Boosts, which include rewards like cashback, vouchers, prize draws and other offers personalised for you.

Sign up for Santander Boosts through the Mobile Banking app or in Online Banking, then you’ll be able to choose the offers you like and earn rewards with your favourite retailers:

• Earn cashback when you shop online at a wide range of retailers

• Receive vouchers and coupons for discounts on a variety of products and services

• Get offers personalised to your individual interests and hobbies

• Enjoy free gifts and enter prize draws

Read more here.

Using the All In One Abroad

Cardholders can use this card when globe hopping since there are no non-sterling fees for transactions made abroad. This makes the card usable for travel spending without incurring FX fees. But keep in mind that, like most credit cards, cash withdrawals will cost extra. Expect to pay 3% (£3 minimum) for each cash withdrawal plus interest will start accruing immediately at a higher interest rate, starting at 29.9% APR.

Monthly Fee: Is It Worth It?

It's possible that the £3 monthly fee can significantly eat into rewards and balance transfer savings, depending on how you'll use the card.

For example, a card charging no balance transfer fee for 0% balance transfers for 15 months surely looks fantastic, but a balance transfer can become expensive on this card, if that's all you need it for.

For example, when you factor in the £3 monthly card fee you’ll pay over 15 months, your costs to execute a £1,000 balance transfer essentially increase by £45 (£3 x 15 months = £45). This represents an effective cost of approximately 4.5% on a £1,000 transfer - a significant sum considering that many no-fee cards are available for those with average debt levels.

Santander also offers other balance transfer options. The Santander Everyday No Balance Transfer Fee Credit Card offers a 12-month 0% balance transfer window with no transfer fee and no monthly account fee. A "Long Term" version offers up to 34 months at 0%, carrying a one-off transfer fee (typically around 3.15%).

The All In One card differs from both in also offering Santander Boosts rewards and no foreign transaction fees for overseas spending, alongside its own 15-month 0% window.

Bottom Line: The Santander All In One Credit Card is a 0% purchase and balance transfer card that offers interesting rewards through their Santander Boosts program, and it doesn't charge an extra fee for purchases made abroad.

Santander All In One Credit Card Features

Representative example: Representative 29.8% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 23.9% p.a. (variable) and a £36 annual fee (£3 charged monthly).

Premium 'all-rounder' cards like this one continue to charge higher rates to offset their cashback and travel benefits. If you carry a balance beyond the 0% period, this rate will significantly outweigh any rewards earned.

Balance Transfers

0% balance transfers can potentially save those with existing credit card debt a significant amount in interest charges. As long as you make your monthly payments on time, stay within your limit and pay off the debt within your 0% APR intro period, you will pay no interest charges along the way.

In the high-interest 2026 climate, a 0% transfer is even more valuable. A consumer making £50 monthly payments on a balance of £1,200 on a card that charges 23.9% will save almost £450 in interest payments by switching to an appropriate-length balance transfer card (and paying back the entire balance within the 0% period). Not only that, but they will be debt free 9 months sooner by using the balance transfer card (because all payments go towards balance reduction, not interest charges).

Let’s imagine a scenario where you transfer a £1,000 debt onto a new Santander All In One card, and you decide to pay down the debt over 15 months (paying £67 per month of the balance). The additional £3 monthly card fee adds up to £45 over 15 months, which is equivalent to 4.5% of your initial debt. Now the costs to execute your balance transfer have risen from 0% to 4.5% (reflecting the monthly fee).

But you are better off switching this debt to the Santander All In One card (paying £45 in monthly fees) than leaving it on your previous 21.9% interest-charging card - on which you pay nearly £180 in interest over the months if you made equivalent £67 monthly payments, plus you'll be debt free sooner.

FAQs

Can I do a money transfer with the Santander All In One Credit Card?

No, the Santander All In One Credit Card does not have a money transfer feature.

What are the rules for Santander All In One Credit Card cash withdrawal?

For cash transactions, interest is charged from the date debited to your account until repaid in full. Interest is calculated daily. Cash withdrawals are particularly costly in 2026, and are typically charged at a higher rate than purchases (e.g. 29.9% vs 23.9% APR). In terms of fees, cash transactions are charged at 3% (minimum £3).

Santander All In One Compared to Other Credit Cards

To better understand the value of the Santander All In One Credit Card you need to see it relative to other available options. We’ve compared this card to other cash back and rewards cards so you can learn about and compare their features.

Santander All In One vs Lloyds Bank Platinum Longest Balance Transfer Card

The Lloyds Bank Platinum Balance Transfer card is generally a competitive balance transfer option, although the market is constantly moving so be sure to check prices for the latest offers. It may charge a higher intro balance transfer fee than Santander, but there is no ongoing monthly card charge — a simple balance-transfer structure with no monthly cost.

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.94% p.a. (variable) with no annual fee.

Quick Takeaway: The Santander All In One card combines a balance transfer offer with ongoing rewards on purchases, at a £3 monthly fee. The Lloyds Platinum card offers a balance transfer with no monthly fee, but no rewards on purchases.

Santander All In One vs Platinum Cashback Everyday Card by American Express

The Platinum Cashback Everyday card by Amex is a no-fee cashback card for everyday spending. Cardholders either earn 0.5% or 1% cashback, depending on how much you spend, plus a welcome bonus of 5% cashback during the first five months (limited to £125 cashback in this welcome period) - all for no annual fee. The Everyday card does charge for foreign transactions, though.

Representative example: Representative 29.1% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 29.1% p.a. (variable) with no annual fee.

Quick Takeaway: The Platinum Cashback Everyday card earns 0.5% cashback up to £10,000 of annual spend, then 1% above that. The All In One card does not charge a fee for non-Sterling transactions abroad; the Platinum Cashback Everyday card does.

Card details correct as of 15 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.