How you earn
0.5% cashback capped at £10/month.
- Need ~£600/month spend for fee to break even on cashback alone.
Opening offer
0% on purchases for 15 months.
Cashback
0.5%
Rep. APR
29.8%
Variable
Annual fee
£36
£3 per month
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
0.5% cashback capped at £10/month.
Opening offer
0% on purchases for 15 months.
No non-sterling transaction fee on purchases.
Good credit history required.
The Santander All in One Credit Card suits people who travel regularly and want fee-free overseas spending on Mastercard, where we measured practically nothing off the real exchange rate. The 0.5% cashback is 0.24% below the typical reward card, and the £3 per month fee means you need around £600 a month in spending just to break even on cashback alone. I think the 15-month 0% purchase offer adds genuine value, but the cashback cap of £10 a month limits the upside for heavier spenders.
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