travel

United® MileagePlus® Neo® World Elite Mastercard® review

4.0Rated by the CreditCardGuru Editorial Team

A compelling, low-fee airline co-brand for United flyers — the bag, boarding, and award-discount perks easily justify $89 if you fly United a few times a year.

At a glance

Annual fee: $89
Welcome bonus: ~$375
Foreign tx fee: 2.5%
Network: MASTERCARD
Rewards: miles
Purchase APR: 19.99%

Rewards & earn rates

United Airlines & Star Alliance flights	1.25x
Dining	1x
Groceries	1x
Everything elseBonus MileagePlus miles at 10,000+ Neo partners	0.75x

Welcome offer: Up to 25,000 MileagePlus miles: 5,000 on first purchase, 15,000 after minimum spend, plus a 5,000-mile annual renewal bonus (Spend $3,000 in the first 3 months for the 15,000-mile portion).

Pros & cons

Pros

First premium United co-brand card in Canada at a low $89 fee
Real airline perks: free checked bag, priority boarding, award discounts
Welcome bonus comfortably exceeds the annual fee

Cons

0.75x base earn rate is below average
Insurance coverage not available in Quebec

Perks & insurance

Key perks

Free first checked bag on United-operated flights for you and companions on the same reservation
Group 2 priority boarding on United-operated flights
NEXUS application fee credit of up to USD $120 every five years
At least 10% off United award flights (15% with Premier Status) plus exclusive cardholder Saver Award availability
Mastercard Travel Pass (DragonPass) lounge access membership (per-visit fee applies)
Secured version available with the same earn rates and travel perks

Insurance

Out-of-province emergency medical
Trip protection
Delayed and lost baggage
Rental car coverage
Mastercard Zero Liability

Rates & fees

Annual fee: $89
Purchase interest: 19.99%
Foreign transactions: 2.5%
Min. personal income: $80,000

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“United® MileagePlus® Neo® World Elite Mastercard® Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/united-mileageplus-neo-world-elite-mastercard, updated June 7, 2026.