Finding a credit card that combines useful benefits, exemption from fees abroad and the possibility of saving on interest is a difficult task for many consumers. Typically, it is necessary to use more than one card to enjoy different benefits — be it one for cashback, another for travel, another for interest-free purchases. Santander UK decided to solve this with a product designed to bring all these functions together in one place.
The All in One Credit Card is, as its name suggests, a complete solution. Recommended for those who want practicality, flexibility and savings, this card was developed to meet different usage profiles. From those who want to reorganize their finances, to those who travel frequently or seek rewards for their daily expenses. Below, you will find everything you need to know to decide if this is the ideal option for your financial situation.
What are the requirements needed to apply?
Before applying for the All in One Credit Card, it is essential to check that you meet the criteria required by Santander UK. The bank carries out an initial screening that helps ensure that the customer has the right profile for the product. These criteria exist to protect both the consumer and the institution, ensuring that the credit is used responsibly.
Check below who can apply for the card:
You must be at least eighteen years old
Be permanent resident in the UK
Have a minimum annual income of ten thousand five hundred pounds
Not having been bankrupt, nor having any CCJ (County Court Judgment) or IVA (Individual Voluntary Arrangement) records in the last six years
Not currently having an active All in One Credit Card in your name
These are the initial criteria for applying for the card. Even if all of them are met, the granting of credit is subject to an analysis of the applicant’s financial profile.
One positive point is that Santander offers an eligibility check tool. With it, you can find out in just a few minutes whether you have a good chance of approval, without any impact on your credit score. This preliminary analysis also informs you of the approximate credit limit that you will be able to receive.
What documents are required?
The application process for the All in One Credit Card is done online, directly through the Santander UK website. Although simple, it requires the provision of some basic information and documents to validate identity and prove income.
Among the main documents and data requested are:
Complete personal information such as name, date of birth, address and telephone number
Proof of UK residency, such as recent utility bills or bank statements
Valid identification document, such as a passport or photo driver’s license
Proof of income, which can be provided through pay stubs, bank statements or income tax returns
During the application process, you will be required to fill out a form with all of this information. The bank will then perform a full credit analysis. It is important to ensure that all of the information is correct and up to date to avoid delays in approval.
What are the biggest uses of this credit card?
The All in One Credit Card is a versatile product that meets different profiles and objectives. Therefore, it can be used in different everyday situations and also in more specific strategies, such as reorganizing debts or taking advantage of benefits on international trips.
Use for everyday shopping
This card can be used to cover all your daily expenses. From groceries and fuel, to subscriptions, restaurants, clothes or any other routine expense. The difference is that all these purchases generate cashback automatically, with 0.5% return on each transaction, capped at ten pounds per month.
Additionally, for the first fifteen months, all purchases made with the card have zero percent interest. This means that you can pay in installments or split your payments with greater peace of mind, as long as you keep up with the minimum monthly payment.
Use to transfer balance from other cards
If you have an outstanding balance on another credit card with a high interest rate, the All in One Credit Card allows you to transfer that amount without a transfer fee. There is also no interest charged on the transferred balance for the first fifteen months.
This feature is ideal for those who want to consolidate debts, organize payments and stop paying excessive interest. Simply transfer the amount from another card to Santander and focus on monthly payments without surprises.
Use in international travel
Another highlight is the exemption from fees on purchases made outside the UK. Those who travel frequently know how much these fees can weigh on their bill at the end of the month. With the All in One Credit Card, international purchases are charged without exchange rate surcharges, making this card an excellent choice for use abroad.
This advantage also extends to online purchases made on international websites, which makes the card even more interesting for those who buy in different currencies.
Use to get rewards in the form of cashback
With every purchase you make, you earn 0.5% of the amount in cashback, capped at ten pounds per month. This amount is credited automatically, without having to accumulate points or exchange them for products. Simply use your card and receive the cash back directly into your account.
This feature works well for those who have a constant monthly expense and want to see part of that amount back.
Our advice for those who are going to apply for the All in One Credit Card
Before applying for any credit card, the most important thing is to be clear about your objective with this product. The All in One Credit Card is an excellent option for those who want to concentrate their spending, earn simple and direct rewards, avoid short-term interest and save on travel fees.
But to take advantage of all this, you need to be disciplined with your payments. After the first fifteen months, the card starts charging variable interest rates that can be high, especially if you carry a balance from one month to the next.
So, the tip is:
Use the interest-free period with planning, especially for large purchases or to pay off debts on other cards.
Enjoy monthly cashback, but without spending more just to accumulate rewards
Avoid delays and keep payments up to date to avoid charges
Use the simulator on the Santander website to calculate the cashback amount and understand the real savings when transferring balance from another card
If used responsibly, the All in One Credit Card can be a powerful tool for balancing your budget, generating savings and making your financial life easier.
Weighing up the pros and cons – Is it worth it?
Carefully analyzing the card’s strengths and limitations is always the best way to make an informed decision. Below, we’ve listed the main aspects to consider.
Advantages
Interest exemption on purchases for up to fifteen months
Balance transfer with no fee and zero percent interest for the same period
No tariffs for purchases made outside the UK
Automatic half a percent cashback on all purchases, capped at ten pounds per month
Simple eligibility verification process with no impact on score
Application and online platform with full control over expenses
Disadvantages
Fixed monthly charge of £3 whilst card is active
Monthly cashback limit may not be worth it for those who spend little
High interest rate after promotional period ends
Requires clean credit history and relatively high minimum annual income
Not recommended for those who tend to have a long-term debt balance
In general, this card is worth it for those who:
Want to transfer balance from another card with higher interest rates?
Seek a practical solution to concentrate spending
You make frequent purchases and want to accumulate cashback automatically
Travel frequently and want to avoid exchange rates
But it may not be as advantageous for those who:
Use your credit card very little
Having trouble paying the full amount of your monthly bill
Prefer cards with no monthly maintenance fee
Apply for a credit card once and for all on the official website
If after understanding all the benefits and criteria, you believe that the All in One Credit Card is the right choice for you, it’s time to take the next step.
The application process is done online, in a simple, fast and secure way. To find out if you are eligible and what credit limit you can receive, click the button below and access the official Santander UK website.
There you can check without impacting your score and proceed directly to the card application, if you wish to continue. Remember to gather your personal data and basic documents before starting.
You will be redirected to the bank’s official website.
