Santander All in One Credit Card

The All in One does what the name says: 0.5% cashback on all spending, a long 0% period on purchases and balance transfers, and no foreign transaction fees — for a £3 monthly fee (£36 a year). Spend more than £7,200 a year and the cashback covers the fee; use it abroad too and it pays for itself quickly. It is the rare UK card that is good at three jobs at once, though specialist cards beat it at each one individually.

Santander All in One Credit Card at a glance

Rewards & perks

• 0.5% cashback with no cap and no categories to track
• No fees on purchases abroad
• Long 0% purchase period for a large one-off buy

Pros

• Rare combination of cashback, 0% and fee-free overseas spending
• Cashback is paid monthly
• Santander 1|2|3 customers can manage everything in one app

Cons

• The monthly fee wipes out the cashback below about £7,000 of annual spend
• Balance-transfer fee applies to moved balances
• Cashback rate is beaten by Amex above £10,000 of spend

Who should apply

• UK residents aged 18+ with a good credit file and UK address history
• Households spending £600+ a month who also travel
• Anyone who wants one card rather than three

Before you apply: card terms change often. Confirm the current annual fee, interest rate, welcome offer and rewards on the official Santander UK site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.