Santander All in One review, the UK cashback winner with no overseas fees and a 15-month interest-free period

Why this card is a solid pick for UK customers

The Santander All in One card offers practical benefits for everyday life in the UK. With a 0.5% cashback on all purchases and Santander Boosts that tailor extra rewards to your spending, it’s designed to return value on routine transactions.

Beyond cashback, the card’s 15-month interest-free period on purchases and balance transfers makes it easier to finance big buys or clear existing debt without immediate interest. That flexibility is useful whether you’re refurbishing a flat in London or buying a new bike for weekend rides.

Costs, rates and important small print

There’s a £3 monthly fee (equivalent to £36 a year) and a representative APR that reflects what happens after the intro period. Be mindful that the variable APR applies once the 15-month interest-free term ends, so plan repayments to avoid high interest.

During the promotional window there’s no balance transfer fee, and crucially the card waives foreign transaction charges when you pay in local currency abroad. That can save a surprising amount on holidays and business trips compared with typical UK cards that add 2–3% fees.

Using the card at home and overseas

In everyday UK use the Santander All in One is contactless and app-friendly, so it works smoothly with mobile wallets and online shopping. Santander Boosts and digital alerts help you track where cashback is coming from and spot opportunities to earn more.

For travel, the absence of foreign transaction fees when you pay in local currency removes a common hidden cost. Combine that with the 15-month interest-free buying window and you’ve got a convenient option for booking holidays, paying accommodation, or handling overseas emergencies.

Apply, manage and decide if it’s right for you

Applying is straightforward: use Santander’s online eligibility checker for a soft search, then complete the application online or in branch. Santander’s app and online banking make managing payments easy, with alerts, statements and customer support available across the UK network.

Compare alternatives if you have a specific need — higher cashback rates, no annual fee, or longer interest-free options might be available elsewhere. But for a balanced card that combines 0.5% cashback, no foreign transaction fees and a 15-month interest-free period, the Santander All in One is hard to beat for many UK households.

Decide based on how much you’ll use the card: if you travel regularly and plan to move a balance or stretch a large purchase across months, the combination of cashback and the promo period can outweigh the £36 yearly fee. Check eligibility, run the numbers and consider switching or applying if it aligns with your finances.