Santander All-in-One credit card 30 months 0% on purchases and balance transfers, no BT fee, 0.5% cashback
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Santander All-in-One credit card 30 months 0% on purchases and balance transfers, no BT fee, 0.5% cashback

6
Found 15th Jun
If you’re looking for a decent all-round credit card with cashback, check out the All-in-one card from Santander. It offers:

  • 0% on balance transfers for 30 months
  • 0% on purchases for 30 months
  • No BT fee
  • 0.5% cashback on all of your purchases
  • No foreign transaction fees on purchases made abroad in the local currency (so when the retailer asks if you want to pay in sterling, you say no)
  • Typical APR 15.9%
  • £3 monthly fee

How to neutralise the £3 monthly fee

I can already hear half of you saying “but what about the £3 monthly fee”?

OK, it’s not great, but if you spend £600 a month on the card, that’s £3 in cashback so effectively reducing the monthly fee to zero. Then if you spend any more, you actually earn cashback.

So, to make the most of this card you need to do a high proportion of your spending on it – then make sure you pay at least the minimum repayment each month.
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6 Comments
Sorry, this is not a good deal - for the 30 month transfer, that's £90 in fees over the 30 months.

To get that £90 back in cash back, you'd have to spend 18k minimum.

Lots of other cards have balance transfer offers with no fees at all, Halifax offer 25 months no fee for example, other cards offer no currency loading, some other cards are even paying cashback to take them out via Topcashback or Quidco.
jayman19861 m ago

I'm confused, considering there is no BT fee, where does £90 fees come …I'm confused, considering there is no BT fee, where does £90 fees come from?


The card costs £3 in fees per month, so over 30 months of the 0% offer, thats 30 x £3 = £90
bxboards3 m ago

The card costs £3 in fees per month, so over 30 months of the 0% offer, …The card costs £3 in fees per month, so over 30 months of the 0% offer, thats 30 x £3 = £90


Yeah saw that part after, agree that other cards would offer better value in terms of rewards
I have around 3000 pounds how can I transfer to a card like 30 months balance transfer
Another factor to consider is that if you pay the minimum each month then put the equivalent of the balance into a saving account(s) you also are getting interest that offsets the £3 fee.
Good deal as long as you are disciplined and prepared to put the effort in.
Crap deal. Wonder if writergirl got all the other mods to vote hot. Anyone else who posted this it would be stone cold
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