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Santander All in One Credit Card

Santander All in One Credit Card

? customer score 66%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
21.7% APR 15.9% 29.9% £36
  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.
  2. This credit card has a high annual fee of more than £25, making it more expensive to use overall than others with the same APR.

Reward scheme details

0% on balance transfers for 30 months from date of account opening (0% fee applies). 0% on purchases for 30 months from date of account opening. 0.5% cashback on all of your purchases with no limits or caps. No foreign transaction fee on purchases or cash withdrawals in the local currency when you’re abroad. Retailer Offers - get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 15.9% (variable), with a £36 annual fee, representative 21.7% APR (variable). Credit available subject to status.

Santander customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score



We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account £7,500
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility The annual fee is broken down into monthly payments of £3. No monthly fee for 6 months on the All in One Credit Card if you have a 1I2I3 current account. Qualifying criteria applies.
Minimum age to open an account 18

Intro balance transfers

Rate period 30 months
Annual interest 0.0%
Fee 0.0%
Fee min N/A
Fee max N/A
Limit period days N/A

Intro purchases

Rate period 30 months
Annual interest 0.0%

Standard balance transfers

Annual interest 15.9%
Fee 3.0%
Fee min £5
Fee max N/A

Standard purchases

Annual interest 15.9%

Standard cash

Annual interest 29.9%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 26
Monthly payment min % 1.0%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 0.0%
Foreign usage fee (worldwide) 0.0%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 3.0%
Minimum charge £3

Available to manage

Online Yes
Branch Yes
Telephone Yes

Reward schemes

Reward is charity donation No
Reward is cash back Yes
Reward is Airmiles No
Reward is points No
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.