Santander All in One Credit Card 2026 Review

Annual fee
£36
Rewards rate
3%-0.5%
Welcome Bonus
5% cashback
Apply Now →on Santander's website
Regular APR:29.8% APR variable

  • 3%Cashback on eligible everyday purchases in year 1
  • 0.5%Cashback on all purchases thereafter

Welcome Bonus:

A welcome bonus of 5% cashback during the first three months (limited to £100 cashback in this welcome period).

Reward Rate:

Earn 3% cashback in year 1 on eligible everyday purchases, and 0.5% cashback on all purchases thereafter.

APR:

29.8% APR variable

What sets the Santander All in One Credit Card apart is its combination of 0% interest on balance transfers for 15 months and a welcome bonus of 5% cashback, making it a versatile choice for those looking to manage their finances while earning rewards.

Pros:

  • 0% interest on balance transfers for 15 months
  • No balance transfer fee

Cons:

  • Monthly fee of £3
  • Lower cashback rate after year 1
Apply now →

The Santander All in One Credit Card is suitable for individuals who want to balance the need for managing existing debt with the opportunity to earn rewards on their spending. Its 0% interest on balance transfers for 15 months and enticing welcome bonus make it a practical option for those looking to optimize their financial strategy while enjoying cashback benefits.

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