Santander Santander All in One Credit Card

Santander All in One Credit Card Review 2026

Details checked Aug 2026Got this card? Leave a review

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

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.

Who can apply

Good credit history required.

Our Expert Opinion on Santander All in One Credit Card

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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