Santander All in One credit card review, the UK cashback winner with no overseas transaction fees

Overview of the Santander All in One credit card

The Santander All in One credit card is a versatile UK reward card that blends steady cashback with travel-friendly features. It delivers 0.5% cashback on all purchases, a 15-month interest-free introductory period on purchases and balance transfers, and no foreign transaction fees when you pay in local currency — making it a strong contender for frequent travellers and everyday spenders alike.

As a UK product, the card’s mix of perks and practicalities feels tailored for British wallets: a low monthly fee of £3 (equivalent to £36 per year) and access to Santander Boosts for extra offers and vouchers. The representative APR sits at 29.80% variable, so it pays to plan how you use the interest-free window and manage balances responsibly.

Fees, rates and standout perks

The headline perks are clear: 0.5% cashback on all transactions and no foreign transaction fees when billed in local currency, which can save you a tidy sum on holidays or business trips. During the 15-month introductory period there’s no balance transfer fee, which is useful if you want to move an existing balance and clear it interest-free.

That said, the card carries the £3 monthly fee and a standard APR after the interest-free term, so it’s best for those who will either benefit from the cashback and boosts or who can repay the promotional balance within the 15 months. Santander Boosts and occasional vouchers add value for regular users, while contactless and mobile wallet support keep day-to-day use seamless.

Applying and managing your Santander All in One credit card

Applying is straightforward: use Santander’s online eligibility checker for a soft search, which won’t hurt your credit score, or pop into a branch if you prefer a face-to-face application. The online form is usually quick, and a decision often comes back promptly after submission.

Once you have the card, Santander’s mobile app and online banking make account management easy — set up alerts, track spending, and view Boost offers. If you need help, branches and phone support are available, and features like contactless payments and Google/Apple Pay compatibility make it convenient for everyday transactions in the UK and abroad.

Who should choose this card and alternatives to consider

The Santander All in One credit card suits UK customers who want simple cashback, decent travel savings via no foreign transaction fees, and a long interest-free period for clearing balances. It’s particularly useful if you travel regularly, have a balance to shift without fees, or want predictable rewards on daily spending.

If you’re hunting for alternatives, compare cards such as the Virgin All Round, Tesco All Round or M&S Shopping Plus to ensure you pick the best fit for your habits. Check eligibility tools, weigh the £3 monthly cost against potential cashback and Boosts, and apply only after confirming the card matches your financial goals and travel plans.