Santander | All In One Credit Card

APR: 21.7% Representative
Intro purchase rate: 0% for 6 months
Purchase rate: 15.9%
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Santander | All In One Credit Card customer reviews

1.5 out of 5 from 128 reviews

Our review of Santander | All In One Credit Card

Our review by Alex
Written by: Alex
Simplicity
70.5
Features
39.2
Consumer sentiment
68.1

Total OPTIOSCORE
58.1/100

The Santander All in One Credit Card offers their customers 0% on balance transfers for the first 39 months. The balance transfer fee is also 0% for that period which is a great deal compared to some competitors which can be around the 3% mark. As well as the benefits around balance transfers, Santander also offer their All in One Credit Card holders 0% on purchases for the first six months.

Customers are also able to earn 0.5% cashback on their purchases and unlike some of their competitors they don’t cap or limit how much their customers can earn. To welcome customers to the Santander All in One Credit Card, once you have enabled retailer offers from within your online banking Santander provide five welcome offers, offering up to 25% cashback with certain retailers. Santander choose the offers that their customers can benefit from, although they will always be with a well-known retailer.  Retailer offers must be used within 14 days of being enabled using online banking. Customers can also earn 15% cashback at selected retailers when paying with their All in One Credit Card.

Bear in mind that Santander has been given a rating of ‘bad’ on TrustPilot. These reviews take into account all of their financial products, but specific reviews about their cards express dissatisfaction with long call wait times, poor processes and cancelling cards with no warning.

Overall verdict: Although Santander have received poor reviews online, the All in One Credit Card offers customers benefits that are above and beyond others in the market. A good card if you benefit from having a good credit history.

Highlights

  • 0% on balance transfers for 39 months
  • 0% balance transfer fee
  • 0.5% cashback on purchases
  • No fee for foreign transactions
  • 0% on purchases for the first 6 months

Minimum criteria

  • You must be aged 18 or over
  • Be a permanent UK resident
  • Have a gross annual income of £7,500 or more
  • Have a good credit history
  • No bankruptcy, CCJs or IVAs within the last 6 years

About Santander | All In One Credit Card

The Santander All in One Credit Card has a representative APR of 21.7%. For the first 39 months the interest rate is 0% on balance transfers with no fee to transfer your balance over. Customers will also pay 0% on purchases for the first 6 months and receive 0.5% on all purchases with no limits or caps, this is transferred to your account on a monthly basis. Holders of the Santander All in One Credit Card also don’t pay a foreign transaction fee on either purchases or cash withdrawals when abroad.

There is a monthly fee of £3 for the Santander All in One Credit Card and customers can manage their account using mobile or online banking. If using mobile you can see transactions and statements, view the amount of cashback you’ve earned and register for retailer offers to earn even more cashback. With online banking you can also make payments to your card, set up alerts and change your personal details.