All in One Credit Card

Want to join 300,000 customers who already have an All in One Credit Card?

You’re nearly there. Start your application and we’re ready to help bring your plans to life.

The flexibility you need in a credit card

 

Our All in One Credit Card is full of benefits, so you don’t need to have lots of other cards to keep up. With our 0% interest offers you can transfer your credit card balances from elsewhere and make new purchases.

"Yes"

     0% interest on balance transfers for 15 months from account opening with no balance transfer fee

"Yes"

     0% interest on purchases for 15 months from account opening

"Yes"

     No foreign transaction fees on purchases made abroad in the local currency

"Yes"

     0.5% cashback (up to £10 a month) on all your purchases 

 

A £3 monthly fee applies
 

What you need to apply 

  • To be aged 18 and over and a permanent UK resident 
  • To have an income of £10,500 or more a year 
  • Don’t already have an All in One Credit Card

 

All credit is subject to status and credit checks

Representative example

Representative 29.8% APR (variable)

Assumed credit limit £1,200

Purchase rate 23.9% p.a. (variable)

Monthly fee £3

 

Our All in One Credit Card can be used to earn cashback on your purchases and save money by making a balance transfer from other credit cards you hold. To see how you can benefit, use the calculators below.


Want to see how much cashback you could earn? 

Enter your monthly spend below to calculate what you could earn. You can earn 0.5% cashback (up to £10 a month) on all your purchases.

Results

Your estimated earnings

  • Total earnings each month £0.00
  • Total earnings each year £0.00

How we’ve calculated it

  • Monthly credit card cashback £0.00
  • Monthly account fee -£0.00

Want to transfer a balance?

Use this calculator to see which credit card could give you the best savings. Our calculator is for illustrative purposes only, and savings may vary depending on your repayments.

How the calculator works
We’ll show you the credit card options in order of the lowest cost to you based on how much you would like to transfer and pay back each month.

Estimated savings
This is an illustrative example of how much you could save in interest over the months it could take to pay off your balance in full. This is based on you transferring your balance to us from a credit card with an APR of 23.9% and always making the monthly payment entered.

Total cost
This includes any balance transfer fees or monthly fees plus any interest charged over the time it would take you to pay off your balance in full. This does not include your original balance transfer amount.

Minimum amount of £100

This will adjust if the amount you enter is lower than what we think your current minimum payment is on your existing card.

All in One Credit Card v

  • Payment is less than minimum requirement of £
  • 0% Balance Transfer period 15 months
  • Monthly fee £3
  • Estimated savings £0
  • Estimated time to pay off 0 months
  • Balance transfer fee £0
  • Monthly fee + interest charged £0
  • Total Cost £0

Card benefits

  • 0% interest on balance transfers for 15 months with no balance transfer fee.
  • 0% interest on purchases for 15 months.
  • No foreign exchange fees on purchases overseas.
  • 0.5% cashback (up to £10 a month) on all your purchases.

    • Representative example

    Representative 29.8% APR (variable)
    Purchase rate 23.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £3

    Apply for the All in One Credit Card

    Check your eligibility

    Everyday Long Term Balance Transfer Credit Card v

    • Payment is less than minimum requirement of £
    • 0% Balance Transfer period 31 months
    • Monthly fee £0
    • Estimated savings £0
    • Estimated time to pay off 0 months
    • Balance transfer fee £0
    • Monthly fee + interest charged £0
    • Total Cost £0

    Card benefits

  • 0% interest on balance transfers for 31 months (3.45% balance transfer fee applies, min £5).
  • 0% interest on purchases for 3 months.

    • Representative example

    Representative 24.9% APR (variable)
    Purchase rate 24.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Explore Everyday Long Term Balance Transfer Credit Card Check your eligibility

    Everyday No Balance Transfer Fee Credit Card v

    • Payment is less than minimum requirement of £
    • 0% Balance Transfer period 12 months
    • Monthly fee £0
    • Estimated savings £0
    • Estimated time to pay off 0 months
    • Balance transfer fee £0
    • Monthly fee + interest charged £0
    • Total Cost £0

    Card benefits

  • 0% interest on balance transfers for 12 months with no balance transfer fee.
  • 0% interest on purchases for 3 months.

    • Representative example

    Representative 24.9% APR (variable)
    Purchase rate 24.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Explore Everyday No Balance Transfer Fee Credit Card Check your eligibility

    Don’t forget you could also be earning cashback when you spend on the All in One Credit Card. If you do spend and do not increase your payments it would increase the time taken to pay off your balance and this has not been considered in the calculator sums.

    Account fee

    The fee for this card is £3 a month.

    We will add the fee to your credit card balance each month.

    Minimum repayment 

    You must make at least the minimum repayment each month. The amount and due date will be on your statement.


    0% interest on balance transfers

    • Get 15 months interest-free on balance transfers from account opening with no balance transfer fee.
    • You can transfer balances from £100 up to 95% of your credit limit.  
    • You can’t transfer balances from other Santander or cahoot credit cards or from any type of loan or current account.
    • At the end of the 0% period, a 3% balance transfer fee will apply to any new balance transfers. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 23.9% p.a. (variable).

    When you apply, we’ll carry out a credit check. This will help us to decide the credit limit we can offer. We’ll tell you your credit limit once your application has been accepted.

    You can use our eligibility checker to get an idea of your credit limit before you apply. This can help you decide if it meets your needs.

    You can request a balance transfer during your application. If you do, we’ll make a payment to your current credit card company when you activate your card. Just make sure you activate it within 45 days of receiving it for this to happen. You don’t need to do anything else.


    0% interest on purchases

    • Get 15 months interest-free on purchases from account opening.
    • At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 23.9% p.a. (variable).


    Purchases and cash withdrawals abroad 

    • You won’t be charged foreign transaction fees on purchases and cash withdrawals made abroad in the local currency. If you choose to pay in sterling, the retailer or bank will handle the conversion and may charge you a fee.
    • A cash transaction fee of 3% (minimum £3) will be charged on all cash withdrawals, including those made abroad. You’ll be charged 29.9% p.a. interest on the cash you take out from the day it’s withdrawn.

    Find out more about how credit cards and credit card offers work (PDF - 126 KB)

    We have other borrowing options such as overdrafts and personal loans. Plus there are additional loans for our existing mortgage customers.


    Cashback

    You can earn 0.5% cashback (up to £10 a month) on all your purchases. Some transactions aren’t eligible.

    Cashback will be paid into your account on the same day as your statement date.


    Santander Boosts

    With our credit cards you can register for Santander Boosts. Get rewards to give you a little boost when you bank with us.

    All you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking. You can then choose the offers you like and earn rewards with your favourite retailers.

    • Earn cashback when you shop online at a wide range of retailers.
    • Get vouchers and coupons for discounts on products and services.
    • Enjoy free gifts and enter prize draws.
    • Get offers personalised to your interests and hobbies. 


    What you also get 

    Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards. If the additional cardholder isn't a Santander customer we may ask for ID for them.

    Up to 56 days interest-free period on purchases. This means that if you pay off your balance in full and on time every month, you won’t be charged interest.

    Key documents 


    Ways to bank with us

    You’ll get 24/7 banking on all your devices with Mobile and Online Banking. Here are some of the things you can do.


    Account alerts

    We’ll send you account alerts when you’re near your credit limit to help you avoid fees. We can also make you aware of certain activity on your account. You can manage your alerts settings at any time in Online Banking. If you need more help, please contact us or visit your local branch

    Security

    Keep your banking details private and secure.

    Visit our Security Centre for more information to help you avoid fraud and scams.

    Giving you more – our cards also come with:

    Card controls in our app

    View your PIN, freeze your card if you lose it and block certain transactions in our mobile banking app.

    Santander Boosts

    Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts

    Account alerts

    We’ll send you alerts when you’re near your credit limit to help you avoid fees.

    It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.
     

    Key Facts Document and Terms & Conditions

    We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

    Pre-Contractual Explanation

    Here is a summary of the important information from the Pre-Contractual Explanation. The full version of this can be found in the All in One Credit Card Key Facts Document. Click on the link above to see this. You should read it before you apply.

     

    Is this credit card right for your needs?

    A credit card is more suitable for borrowing over a shorter period of time. There may be cheaper ways to borrow large amounts.

     

    What are the interest rates and charges for the credit card?

    With some credit cards, we offer 'introductory' interest rates and charges for a set period of time. Your introductory period starts from the day you open your account.

    You should try to clear the balance on your card before your introductory period ends. This is because higher interest rates and charges will apply after an introductory period has stopped.

    The interest rate and charges you have to pay depends on how you use your credit card. For example, we'll always charge a higher rate for taking out cash using your credit card.

    What should you know about balance transfers?
    We don’t charge a balance transfer fee on any balance transfers made during the introductory period.

    What’s the monthly fee for using the credit card?
    We charge a £3 monthly fee for this credit card.

    Can we change interest rates and charges?
    We can change these rates and charges but we’ll tell you before we do.

     

    How much do you have to pay each month, and when?

    Each month, we'll give you a statement showing the minimum payment you'll need to pay for that month.

    It will cost you more if you only make your minimum payments. The quicker you pay off your balance, the less it will cost you in the long run.

     

    What happens if you don’t pay your payment on time, or miss a payment?

    If you don't make a payment on time, or you miss a minimum payment, we'll charge a £12 fee. That means the total cost of your debt will grow, and we'll keep charging interest on the amounts you should've paid. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might make it more difficult for you to borrow in future.

    If you miss multiple repayments you might have legal action brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt recovery company. To avoid getting into this situation, please contact us if you're struggling to keep up with your payments.

     

    Can you change your mind?

    You have up to 14 days to decide if this is the right card for you, starting from the day after you receive your card. If you decide you no longer want your new credit card you must let us know and you must repay anything you owe.

     

    Paper-free

    • Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your ‘Statements and documents’ in the Mobile Banking app or in Online Banking.

    • We may occasionally still need to send some correspondence by post.

    • Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone.

     

    To apply, you must answer yes to the following.

    • I don’t already have an All in One Credit Card.
    • I have an income of £10,500+
    • I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
    • I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
    • I accept the Key Facts Document and Terms & Conditions.

    Credit check
    When you apply, a credit check will be carried out which will show on your credit file.

    Your contact preferences
    During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

    Credit limit increase preferences
    During your application we’ll ask if you want us to increase your credit limit in the future:

    • If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
    • If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

    If you’d like to amend your preference please contact us at any time.

    Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.

     

    If you have Experian CreditLock or similar with another credit reference agency, you'll need to switch it off before you apply.

    Information correct as at 26 February 2025.