Santander’s All in One Card: 0% BT, 0% Purchases, & 0% Travel Fees

Did the promise of getting… well, everything… from the Santander All in One Credit Card catch your eye? It’s not surprising. It claims to be the only card you’ll ever need, bundling 0% purchases, 0% balance transfers (with no fee!), cashback, and fee-free travel into one package.

But this card has a catch: it comes with a £3 monthly fee. So, is this the ultimate “all-in-one” tool, or a “jack of all trades, master of none” that costs you £36 a year for perks you won’t use?

You’ve come to the right place. In this detailed review, we are breaking down every single aspect. We’ll cover:

• A deep dive into the *real* value of the 0% no-fee balance transfer (this is its superpower).
• How the 0.5% cashback stacks up against the £3 monthly fee.
• A transparent table of all the fees and costs.
• The major drawbacks you must know before you apply.
• The exact eligibility criteria (including the £10.5k income rule).
• A step-by-step guide to the “Check eligibility” application process.

By the end of this page, you’ll have all the facts to do the maths for yourself and decide if this card is the right move.

A Deep Dive into the Core Benefits

This card’s value is all about its four key features. The question is whether you will use *at least two* of them enough to justify the £36 annual cost.

Benefit 1: The 0% Balance Transfer (with £0 Fee!)

This is, in our opinion, the card’s single most powerful and valuable benefit. You get 0% interest on balance transfers for 15 months, and you pay no balance transfer fee.

Let’s be crystal clear: this is rare. Most 0% cards (like those from MBNA or HSBC) charge a 3% or 3.49% fee.

Let’s do the maths:

• Imagine you have a £3,000 debt on a high-interest store card.
• To move it to a competitor card, you’d pay a 3% fee, costing you £90 instantly.
• To move it to the Santander All in One Card, you pay £0.

This benefit *alone* saves you £90 in fees. That saving has already paid for your £36 annual fee 2.5 times over. If you have debt to transfer, this perk is almost a no-brainer.

Benefit 2: The 0% Purchase Offer (15 Months)

This is another strong perk. You get 0% interest on new purchases for 15 months. This is ideal for spreading the cost of a large, planned expense.

For example, if you’re planning home improvements or need a new laptop costing £1,500, this card lets you buy it now and pay it off in manageable £100 instalments for 15 months, all without paying a single penny of interest.

Benefit 3: The 0.5% Cashback on All Purchases

This is the card’s long-term engine. You get 0.5% cashback on all your spending. This is a solid, flat rate for a Mastercard (which is accepted everywhere).

But does it cover the £3 monthly fee? Let’s do the maths again.

• To earn £3 in cashback (at 0.5%), you need to spend £600 per month.

This is the “breakeven” point. If you spend *more* than £600 a month on this card, the cashback perk is paying for the monthly fee *and* putting extra money back in your pocket. If you spend *less* than £600 a month, the fee is costing you money. The cashback is also capped at £10 a month (which would require £2,000 in spending).

Benefit 4: £0 Foreign Transaction Fees

This is the final piece of the “all-rounder” puzzle. This card has no foreign transaction fees. When you use a standard card from Barclays or NatWest abroad, you’re hit with a 2.99% fee on every purchase. This card charges £0.

This makes it a fantastic travel card. A two-week holiday where you spend £1,000 would typically cost you £29.90 in fees. With this card, it costs you nothing. This one benefit, used just once a year, almost covers the entire £36 annual fee by itself.

All Fees and Costs at a Glance

Here are the numbers. This card’s main “cost” is the monthly fee, which you must be aware of. The APR is also high, so it is designed to be paid off.

The Drawbacks: What to Know Before You Apply

This card’s greatest strength (doing everything) is also its weakness. It has catches you *must* be aware of.

Drawback 1: The £3 Monthly Fee

This is the most obvious drawback. You are paying £36 per year for this card. As we calculated, you must spend £600 a month just for the cashback to break even with the fee. If you are a low spender (e.g., you only spend £300 a month), the fee is costing you more than the cashback is giving you. You must be confident you’ll use the other benefits (the 0% BT or 0% travel) to make the fee worth it.

Drawback 2: The £10 Monthly Cashback Cap

The 0.5% cashback is capped at £10 per month. This means once you spend £2,000 in a month, you stop earning cashback. This isn’t a problem for most people, but if you are a very high spender, this cap limits your total reward to just £120 per year. An Amex card with no cap would be more lucrative.

Drawback 3: The High 23.9% Revert APR (The Main Trap)

This is the ‘cliff edge’. On the first day of **Month 16**, your 0% introductory periods end. Any balance left on the card—from either purchases or transfers—will immediately start being charged interest at the high 23.9% APR (Variable). This card is **NOT FOR LONG-TERM BORROWING** beyond the 15-month offer.

Drawback 4: The 60-Day Transfer Window

This is a “use-it-or-lose-it” rule. You **must** make all your balance transfers within the **first 90 days** (3 months) of the account being opened to get the 0% offer. You can’t add one 6 months later.

Who Can Apply for This Card?

This is a “prime” credit card, so the eligibility criteria are stricter than for a credit builder card.

You MUST:

• Be 18 years old or over.
• Be a permanent UK resident.
• Have a minimum annual income of £10,500.
• Have a good credit history (no bankruptcy, CCJs, or IVAs in the last 6 years).
• You must **NOT** already hold this card.

Santander’s “Check your eligibility” soft check is the best way to know if you’ll be accepted.

How to Apply for the All in One Credit Card

Applying for the Santander All in One card is a simple online process that begins with a ‘soft check’ to protect your credit score. Before you start, make sure you meet the eligibility criteria and have your personal details to hand.

Step 1: Visit the Official Santander Page

Start by heading to the official Santander All in One Credit Card page. You can use the secure button on our site to go directly there.

Step 2: Start Your Eligibility Check

On the Santander page, click the “Check your eligibility” button. This will take you to the secure application portal. This first step is the “soft search” and will not be visible to other lenders.

Step 3: Fill in Your Details

You will need to complete the eligibility form with your personal and financial details. This includes:

• Your personal details (name, date of birth).
• Your UK address history for the last 3 years.
• Your employment status and annual income (must be over £10,500).
• Your main bank account details.

Step 4: Get Your Personalised Offer

The “soft check” will give you an instant decision. It will tell you if you are “pre-approved” or your percentage chance of acceptance. This gives you 100% certainty before you commit.

Step 5: Accept the Offer (The ‘Hard Search’)

If you are happy with the pre-approved offer, you can then click to formally apply. This is the only part of the process that will perform a “hard search” on your credit file. Once you accept, you can get an instant decision and your card will be sent in the post.

The Santander All in One Card vs. Its Alternatives

How does this card stack up against its main “all-rounder” competitors?

Alternative 1: The Chase Credit Card

This is the card’s nearest direct competitor, also from a bank.

Pros: The Chase card also offers £0 foreign transaction fees. Its cashback is 1% for 12 months (double the Santander rate). It also has a £0 annual fee.

Cons: The Chase card is invite-only. It has **no 0% offers** for purchases or balance transfers.

Verdict: This is a clear choice. If your main goal is cashback and travel, the **Chase card** is better (if you can get an invite). If you need 0% offers for debt or new purchases, the **Santander card** is the only one that can do that job.

Alternative 2: A “No Fee” 0% Travel Card (e.g., Halifax Clarity)

These are the classic “travel cards” in the UK.

Pros: Like Santander, they offer £0 foreign transaction fees. They also have a £0 annual fee.

Cons: They offer zero cashback and no 0% introductory offers.

Verdict: The Halifax Clarity is a simple, free travel card. The Santander card is a *better* travel card, as it *also* pays you 0.5% cashback while you travel. If you spend £1,000 on holiday, the Halifax card saves you £29.90 in fees. The Santander card saves you the same £29.90 *and* pays you £5 in cashback. The Santander card is superior, *if* you’re happy to pay the £3 monthly fee.

Frequently Asked Questions (FAQ)

1. Is the £3 monthly fee worth it?

Yes, if you use at least two of its benefits.

Scenario 1 (Debt): You transfer £3,000. The 0% fee saves you ~£90, easily paying for the £36 annual fee.

Scenario 2 (Travel): You spend £1,200 abroad. The 0% fee saves you ~£36, covering the fee.

Scenario 3 (Cashback): You spend £600+ every month. The 0.5% cashback pays for the fee.

If you do *any* of these three things, the card pays for itself. If you do all three, it’s one of the best value cards in the UK.

2. Is 0.5% cashback a good rate?

It’s okay, but not the best. Amex and Chase offer 1% or more. However, 0.5% is a very good, flat rate for a Mastercard that *also* has 0% travel fees and 0% BT/Purchase offers. It’s the *combination* of perks that makes it valuable.

3. Can I transfer a balance to the Santander All in One card?

Yes. You get 0% interest for 15 months, and you pay a £0 transfer fee. This is one of the card’s best and rarest features. You must make the transfer within the first 90 days.

4. Is this a good card for travelling?

Yes, it is one of the best. It charges £0 foreign transaction fees *and* it pays you 0.5% cashback on that foreign spending. Most travel cards are one or the other (or neither). This makes it a top-tier choice for use abroad.

5. What happens in Month 16?

Your 0% offers on purchases and balance transfers will end. Any remaining balance will immediately start being charged interest at the high 23.9% APR (variable). You must clear your 0% balances before this date.

Our Final Verdict: Is This the Card for You?

The Santander All in One Credit Card is a true “jack of all trades” and, surprisingly, a master of several. It is one of the only cards in the UK that successfully bundles 0% (no-fee) debt consolidation, 0% new purchases, 0.5% cashback, and 0% foreign fees into one product.

The £3 monthly fee is the only hurdle, but as we’ve shown, if you use *any* of its main features, the card easily pays for itself. If you use all of them, it’s arguably the best “all-rounder” card on the market.

This card is ideal for you if:

• You have a good credit score and an income over £10,500.
• You have existing debt to transfer (the 0% fee makes this a top pick).
• You have a large purchase to make (the 15 months at 0% is perfect).
• You travel abroad (the 0% fees are essential).
• You spend over £600 a month on your card (the cashback pays the fee).

If you meet *two or more* of the criteria above, this card is an outstanding choice.

This card is NOT for you if:

• You are a very low spender (under £600/month) and you *don’t* travel or have debt to transfer. The £3 fee will cost you money.
• You want the highest possible cashback rate (an Amex card is better, but has no other perks).
• You might carry a balance after the 15-month 0% offer ends (the 23.9% APR is too high).