Are you on the lookout for a credit card that has valuable offers for many types of transactions? With the vast amount of cards to choose from, your search may take a while. However, you may just find the perfect card from Santander UK.
The Santander All in One Credit Card has valuable offerings, including 0% promotional APR and cashback advantages.
You can learn more about their most suitable credit card options, as well as, requirements for eligibility, by reading the rest of this article. We will discuss all of the important details and information you need to know before applying for this card.
Benefits and Features of a Santander All in One Credit Card
Santander offers a versatile card for individuals in need of a useful and multipurpose credit account. The Santander All in One Credit Card makes sure that you can benefit from most of your spends, from balance transfers and purchases to foreign transactions. This card offers all of these benefits for just a small monthly fee of £3.
1. Amazing Cashback Offers
The bank offers 0.5% cashback on every purchase, allowing you to save money while spending! Other cashback offers include up to 15% in cashback if you use Retailer Offers and up to 25% cashback when you turn on the Retailer Offer feature within 60 days of account opening. With these offers, cardholders can earn while they spend in multiple ways. If taken advantage of properly, the earnings can be quite significant.
2. No Interest Period
When you use your card within the first 26 months of your card’s issuance, you can enjoy 0% interest on balance transfers. The same interest rate also applies to purchases made within the first 26 months from the account opening. Therefore, if you have existing credit card debt that is accruing high interest, or you have big expenses coming up, this card is a great money-saving option for you.
3. Great Accessibility
The bank aims to make sure that you use your card with peace of mind. This is why they allow customers to manage their accounts 24/7. This way, you can keep track of your balance wherever you are using online and mobile banking. In addition, account alerts, security features, and contactless payments are also some of the highlights of this card. All of these features combined provide cardholders with ample accessibility and ease of use.
Aside from the benefits detailed above, the bank also allows you to make foreign transactions without any fees. For all of the reasons described, the Santander All in One Credit Card is a great choice.
Key Details to Remember
While it is easy to get swept away in the highlights of this card, there are things that are important to remember. It is essential to remember when the interest-free period ends. When the promotional period ends, the interest rate will revert back to the 21.7% (variable) rate of this card. To avoid racking up large interest charges, it is best to pay off your balance before the interest-free period ends.
Santander All in One Credit Card: Eligibility & How to Apply
Interested in applying for this card? Before you can start with the application, it is important to make sure that you are eligible for the offer. For the Santander All in One Credit Card, you should be 18 years old or older to be qualified. Moreover, you should be a permanent resident of the United Kingdom with an annual income of GBP 7,500 and above.
Keep in mind that you should not have an existing All in One Credit Card before applying. To ensure your financial stability and creditworthiness, the bank will perform credit and expense evaluations.
Your application can be completed online or via a branch visit. Head to the Santander website now to get started. The application can be done in as little as 10 minutes!
If successful in your application, you can apply for a credit limit that you prefer, but note that there is a minimum credit limit of GBP 500 and a maximum limit that will be based on your credit status.
Santander All in One Credit Card: Fees & Charges
- Account fee: £3 a month.
- APR: 21.7% APR representative (variable)
- Purchases: 15.9% p.a.
- Balance transfers: 15.9% p.a.
- Non-sterling transaction fee: 0% of transaction
- Cash transactions: 3% (minimum £3)
- Late payment fee: £12
- Over limit fee: £12
If convenience and money-saving deals are what you are looking for, then you may want to consider getting the Santander All in One Credit Card. To start your application, visit the bank’s website today and complete their online form, or simply drop by a branch near you!
If you are not convinced that this card is right for you, don’t worry! There are many other credit cards to choose from. In fact, Santander has other great offers that you can look into.
Note: There are risks involved when applying for and using a credit card. Please see the bank’s Terms and Conditions page for more information.