From the date of account opening, you'll get:
0% interest on purchases for 15 months
0% interest on balance transfers for 15 months with no balance transfer fee
No foreign exchange fees on purchases made abroad when you pay in the local currency
0.5% cashback (up to £10 a month) on all your purchases
A £3 monthly fee applies
Check your eligibility
Find out how likely you are to be accepted for a credit card. It only takes a few minutes to complete with no impact on your credit score, and you’ll even get an indication of your credit limit.
What you need to apply:
- To be aged 18 or over and a permanent UK resident
- To have an income of £10,500 or more a year
- Not have been declared bankrupt, had a CCJ or an IVA within the last 6 years
- Don’t already have an All in One Credit Card
All credit is subject to status. A full credit check will be made on application.
| Representative example | |||
|---|---|---|---|
| Representative29.8% APR(variable) | Purchase rate23.9% p.a.(variable) | Assumed credit limit£1,200 | 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.
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.
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.
More information about the All in One Credit Card
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 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
You can have up to 3 additional cardholders. The additional cardholders must be close family members who live at the same address as you. 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
- All in One Credit Card Key Facts Document (PDF - 639 KB)
- General Terms & Conditions (PDF - 215 KB)
- Summary box (PDF - 744 KB)
- Cashback terms (PDF - 50 KB)
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.
- Change your statement settings
- Set up account alerts
- Get personalised spend insights with My Money Manager
- Make payments to your credit card in Mobile Banking
- Make 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 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.
Pay smarter with a Santander credit card
Here's what you can get with one.
Rewards
Santander Boosts
Sign up to Santander Boosts to enjoy cashback, vouchers, offers and prize draws. Choose the offers you like and earn rewards when spending at your favourite retailers.
Mastercard Priceless™
Enjoy unforgettable experiences and valuable offers in the cities where you live and travel with Mastercard Priceless™
Give me an example of how paying with a credit card rewards me
Control
The flexibility to pay when you want – clear your bill when it arrives, or pay off little and often throughout the month. You get up to 56 days interest free. Pay your bill on time and in full and avoid paying any interest.
Here’s how you can use our Mobile Banking app to stay in control.
Use My Money Manager to track and organise spending. Gives you personalised insights based on your spending habits.
Use your credit card for your daily spend and your current account for your monthly bills (like rent, mortgage, utility bills, etc.). Keeping them separate means you can track and manage your spending more easily.
Card controls let you turn on and off certain types of purchases, like online, international, contactless and gambling.
Register for free account alerts by text or email. These help to keep you safe and in control of your money. We can send you alerts when you’re near your credit limit, to help you avoid fees. We can also use them to make you aware of certain activity on your account.
Give me an example of how a credit card helps me stay in control
Security
Spot a suspicious payment? Block your card instantly and report this to us using our app. Safe in the knowledge no money has left your current account.
Problem with a purchase? Let us know and we'll help you raise a claim to get your money back.
Can’t find your card? If you think it’s been lost or stolen you can freeze it temporarily in our app. Then, if you find it again later, just unfreeze it.
Section 75 protection
Buy with confidence – you’ll get protection under the Consumer Credit Act for some purchases. Section 75 protects you if certain things go wrong.
Using credit isn’t right for everyone. Make sure you understand how a credit card works. There’s some information above to help you. Always pay on time and stay within your credit limit to avoid unexpected fees.
Information correct as at 26 February 2025.