Available from Santander
Santander has revamped its All in One Credit Card Mastercard, making it a possibly unbeatable deal for an all-round credit card. The new improved All in One card offers: 0% on balance transfers for 30 months from date of account opening. No balance transfer fee. 0% on purchases for 30 months from date of account opening. 0.5% cashback on all of your orders with no cap. No foreign transaction fees on purchases made abroad in the local currency. Purchases outside of the interest-free offer will be charged at 15.9% pa / 21.7% APR. Cashback offers of up to 25% with selected retailers if you register for online/mobile banking and switch on Retailer Offer. More details about Retail Offers are here £3 monthly fee and how to avoid it The All in One card comes with a £3 monthly fee. However, this fee is avoidable in one of two ways: Firstly, the fee is waived for six months if you open (or already have) a 123 current account, a Select current account or a Private current account. To qualify, you need to activate your All in One credit card and then set up a direct debit to pay your card from your qualifying current account within 30 days of opening your current account or All in One credit card. Secondly, the card offers 0.5% cashback on purchases. If my calculations are correct, this means spending £600 a month on the card will result in cashback of £3, effectively making the card fee-free. No foreign transaction fees The All in One card is also fee-free abroad. However, there are two important caveats.Firstly, you need to make sure all purchases or cash withdrawals made abroad are in the local currency. This means you need to avoid the dynamic currency conversion (DCC) trick. DCC is when an overseas retailer or ATM offers to convert your order/ATM withdrawal into your home currency (i.e. British pounds) for you. Although this might sound convenient, it actually means youll end up with a worse rate than if your card issuer (i.e. Mastercard/Visa) does the conversion. So, make sure you always opt to pay in the local currency. Secondly, only make cash withdrawals (at home and abroad) using your credit card in an emergency. A cash transaction fee is charged on all cash withdrawals and they also attract a higher rate of interest which is charged immediately (i.e. without the usual 56-60 interest-free days). Why I like this card Decent (admittedly not table-topping) 0% deals on both purchases and balance transfers; no BT fee; 0.5% cashback (again, not the best reward but pretty good); fee-free abroad (will save regular travellers a packet); and up to 25% cashback on selected retailers (although I suspect most deals are much less than 25%). This card is a great-all rounder - the only issue is the £3 monthly fee but you can avoid this by either having a Santander current account (for the first six months) or using the cashback to pay the £3 fee each month
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