All in One Credit Card

Everything you need – in one credit card

All in One Credit Card

What you can get

(for a £3 monthly fee)

  • 0% interest on balance transfers for 26 months from account opening with no balance transfer fee
  • 0% interest on purchases for 26 months from account opening
  • 0.5% cashback on all your purchases
  • No foreign transaction fees on purchases made abroad in the local currency

Eligibility

  • You’re 18 and over and live in the UK permanently
  • You have an income of £7,500+ per year
  • You don’t already have an All in One Credit Card
  • All credit is subject to status and credit checks 

Representative example

  • Representative 21.7% APR (variable)
  • Assumed credit limit £1,200
  • Purchase rate 15.9% p.a. (variable)
  • Monthly fee £3

Account fee

The fee for this card is £3 a month.

Minimum repayment

You must make at least the minimum repayment each month. 

0% interest on balance transfers

  • 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 15.9% p.a. (variable).

0% interest on purchases

At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 15.9% 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.
  • Cash transaction fees  will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it’s withdrawn.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)

We have other borrowing options, such as overdrafts, personal loans and additional loans for our existing mortgage customers. Learn more

What you also get

Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards.

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

Retailer Offers 

Earn up to 15% cashback with Retailer Offers 

Retailer Offers is a free service available through Online and Mobile Banking. Once switched on, you could earn up to 15% cashback at a variety of major retailers when you use your Santander debit or credit card. 

Plus get up to 25% cashback with your welcome offers

With your new credit card you’ll get five welcome offers to help you get started. Simply switch on Retailer Offers within 60 days of activating your new card.

Save on interest by transferring your credit card balances and earn cashback on your spending.

Cashback

You can earn 0.5% cashback on all purchases. Some transactions aren’t eligible.

Balance transfer and cashback calculator

This calculator is for illustrative purposes only.

Find out how much you could save by transferring your credit card balances

(minimum amount £100)

Find out how much cashback you could earn

Your estimated savings
You could save £0.00 in interest over 26 months and earn £0.00 cashback per month.

The £3 monthly fee has been deducted from the monthly cashback earnings figure above.

Just looking to transfer a balance?

Take a look at the Everyday Credit Card

Find out more

This calculator is for illustrative purposes only.

The savings figure indicates the interest saving over the 26 months 0% period compared to the APR on your existing credit card. The calculator assumes you'll make the monthly repayment amount entered, there are no further transactions, there is a fixed interest rate charged on your existing credit card and that you're not in an initial or other promotional period.

Ways to bank with us

24/7 banking on all your devices. You can amend your statement settings and set up personalised account alerts. 

  • Online Banking
  • Mobile Banking
  • Contactless payments with your digital device when you link your Santander credit card
  • Face-to-face support in branch and UK-based Telephone Banking

Account alerts

We’ll send you alerts when you’re near your credit limit to help you avoid fees and to make you aware of certain activity on your account. You can manage your alert settings through Online Banking, calling us on 0800 9 123 123 or visiting a branch.

Security

Keep your banking details private and secure.

For more information about our approach to security as well as more useful information to help you stop the threat of fraud visit our Security Centre

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

We've provided a summary below of the important information that's contained in the Pre-Contractual Explanation. The full version of this can be found in the All in One Credit Card Key Facts Document which can be accessed using the link above. You should also read this before you apply.

Is a credit card right for my borrowing needs?

A credit card can be very expensive if you're not careful how you use it. It is best used when you can pay off the full balance quickly.

What interest and charges might apply?

Cash withdrawals are more expensive than purchases because you start paying interest immediately and will be charged a fee for each cash withdrawal made in the UK or abroad.

We charge a monthly fee of £3 for this credit card. We don’t charge a balance transfer fee on any balance transfers made during the introductory period. We can change the fees (including the monthly fee and amending the balance transfer fees) and interest rates on your card. We'll let you know in advance if we plan to do this.

Any introductory rate we offer you starts from the date your account is opened.

For detailed information on fees and charges please read the Costs of Credit section in the Pre-Contract Credit Information and condition 8 of the credit agreement. 

How much will I have to pay under the credit agreement?

It will cost you more if you only make your monthly minimum payments. It will cost you less if you pay off the full balance quickly.

What are the consequences to me if I do not keep up repayments?

If you miss your minimum payment you get charged a £12 fee, plus the interest keeps building up, so you end up paying back more. We will also record details with a credit reference agency and your credit rating could go down which would make it harder to get future credit. If you miss multiple repayments, your credit rating can be damaged and you might have legal proceedings 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 management company. To avoid getting into this situation, please contact us if you are having difficulties in making your repayments.

Changing your mind

You can change your mind up to 14 days after you receive your card. If you do this, you must repay anything you owe.

Paper-free

  • We’ll send your statements and other important information to your e-Documents section in Online Banking.
  • If you’d prefer to receive your statements and important information by post you can ask to do so in Online Banking, in one of our branches or by phone

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:

As part of your application you can decide how you want us to implement any future increases to your credit limit. You’ll be given the following choices:

  • Automatically increase my credit limit – we’ll let you know before the changes are made and give you time to decline the increase if you want to, or
  • Send me details and let me decide - you’ll need to contact us if you want to accept the increase

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

Before applying for this product you should consider any future changes to your financial circumstances that may impact your ability to make repayments.

Continue

Information correct as at 4 April 2019.