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


  • 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fees  will be charged on all cash withdrawals and interest will be charged on the cash you take out from the day it’s withdrawn.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.

Up to 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.


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.


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

This account also comes with

Up to 3 additional cardholders
Online and Mobile Banking with text and email alerts
Access to the Santander branch network