All in One Credit Card

Balance Transfer 0% Purchase Cashback Rewards & Travel

Key facts
Representative APR	29.8% representative (variable)
0% on purchases	15 months
0% balance transfers	15 months · transfer fee: 0% (no BT fee)
Annual fee	£3 monthly
Foreign transaction fee	0% (no FX fee on purchases in local currency)
Standard purchase rate	23.9%
Rewards / cashback	Cashback (see page)
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.

Visit issuer site ↗Compare with other Santander cards

Source: santander.co.uk/personal/credit-cards/all-in-one-credit-card · Last checked 30 October 2026

Figures are as published by Santander when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.