Finding the ideal credit card can seem like a challenge, especially when there are so many options available on the market. But what if you could have just one card that brings together the main benefits that would normally only be found on several others? That’s what Santander UK’s All in One Credit Card offers: a single card that offers convenience, savings and interesting advantages, all in one place.
- No foreign transaction fees
- 0% interest on purchases for 15 months
- Earn cashback on purchases
If you live in the UK, have a minimum annual income and are looking for a credit card that can be used for everyday purchases, travel and even to reorganize your finances, this option is worth checking out. Below, we will explain in detail why the All in One Credit Card could be a good choice, how it works and everything you need to know before applying for yours.
Why we recommend the All in One Credit Card
The main reason we recommend the All in One Credit Card is its combination of benefits that cater to both those looking for practicality in their daily lives and those looking to save money or better control their spending.
The card offers:
Period of up to 15 months with zero interest on both purchases and balance transfers
Cashback on all purchases, with the chance to earn up to £10 per month
Tax exemption on purchases made outside the UK
A simple and fast eligibility system with no initial impact on your credit score
This combination of features allows you to concentrate your spending on a single card, without losing the benefits that would normally require the use of several different financial products. For those who prefer to have everything in one place, with control and transparency, the All in One Credit Card may be exactly what you were looking for.
What can I use my credit card for?
The All in One Credit Card can be used for a variety of purposes, always with the aim of making your financial life easier. Here are some of the most common ways to use it:
Everyday shopping: supermarkets, pharmacies, fuel, online and physical stores.
Large purchases: household appliances, electronics, furniture or any other purchase that you prefer to pay in interest-free installments for the first 15 months.
Transfer balance from other cards: if you have debts on other cards with high interest, you can transfer them to Santander and take advantage of the zero interest period.
Shopping when traveling abroad: as there is no exchange rate, the card is ideal for those who travel or make international purchases.
Earn cashback on your regular spending: when you use the card, you earn 0.5% back on the amount spent, with a limit of £10 per month.
In other words, this card serves both basic everyday use and savings and financial reorganization strategies.
Advantages and disadvantages of credit cards
Like any financial product, the All in One Credit Card has its advantages and disadvantages. Understanding these aspects is essential to knowing whether it suits your spending profile.
Below, we separate the main strengths and those that deserve attention.
Advantages of the All in One Credit Card
0% interest on purchases for 15 months
You can buy now and pay later, without worrying about interest during this initial period. This helps you better plan large expenses or spread out purchases over time.0% interest on balance transfers for 15 months
If you have debts on other cards, this is a great opportunity to transfer the amount and stop paying interest, without charging a transfer fee.No fees on purchases made abroad
A significant advantage for those who travel or shop on international websites. No surprises on your bill due to hidden exchange rates.Cashback on all purchases
Get 0.5% back on all your purchases, capped at £10 per month. A straightforward, simple cashback that works automatically.Pre-screening eligibility system
Before applying, you can check your chances of approval without damaging your credit score.App and internet banking for total control
Track your expenses, payment dates and available limit directly from your cell phone.Ideal for concentrating your finances
As it combines several benefits in a single product, you don’t need to keep several different cards.
Disadvantages of All in One Credit Card
It charges a flat monthly fee of £3.
While the card offers benefits, there is a monthly charge that should be factored into your budget. Depending on your usage, the cashback could offset this amount.High interest rates after the promotional period
After the initial 15 months, rates can reach 23.9% per year on purchases and 29.8% representative APR. This means that planning is needed to avoid accumulating high-interest debt.Monthly cashback limit of £10
Even if you spend a lot, the maximum possible return per month is £10.It is not recommended for those who do not use the card frequently.
Those who use the card infrequently may not fully enjoy the benefits, making the monthly cost less advantageous.Need for a good credit history
As with any card subject to analysis, you must have a clean record and a reasonable credit history.
How is the credit analysis done on the All in One Credit Card?
Before approving the card, Santander carries out a credit analysis process that considers several factors:
Identity and residency verification
You must be a permanent resident of the UK and at least 18 years old.Proof of minimum annual income
You must prove an income of at least £10,500 per year.Clean credit history for the last 6 years
People who have been bankrupt, had a CCJ (County Court Judgement) or IVA (Individual Voluntary Arrangement) in the last six years are not eligible.Credit score analysis
The bank evaluates your payment history, current limits, debts and other financial aspects to decide whether or not to approve credit.Checking previous cards
If you already have an active All in One Credit Card, you will not be able to apply for another one.
There is a quick pre-assessment, with no impact on your score, which informs you of the chances of approval and the estimated limit. This allows you to get an idea of the result before proceeding with the full application.
Is there a maximum and minimum value on the All in One Credit Card?
Yes, there are minimum and maximum limits established for both spending and balance transfers, as well as rules for cashback.
Estimated initial credit
The credit limit may vary from person to person. In the representative example, the suggested amount is £1,200, but this number may be higher or lower depending on your financial profile.Balance Transfer
The minimum amount that can be transferred from another card is £100. This feature is useful for those looking to consolidate debts.Monthly Cashback Cap
You can earn 0.5% cashback on your spending, capped at £10 per month. This means the maximum return occurs with £2,000 in monthly purchases.Monthly Maintenance Fee
There is a £3 fee charged monthly whilst the card is active.
These limits help the bank maintain control over costs and ensure greater predictability for the consumer.
Want to apply? Learn how to get the All in One Credit Card right here
If you’ve made it this far, chances are the All in One Credit Card has piqued your interest. Whether you’re looking to simplify your financial life, take advantage of cashback, or save on interest and fees, this card offers a good combination of benefits.
To find out how to request yours, which documents are required and how the process works step by step, click the button below and see all the complete instructions.
You will be directed to the page with all the detailed guidelines, where you can check your eligibility and start your application securely.
