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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 flights1.25x
Dining1x
Groceries1x
Everything elseBonus MileagePlus miles at 10,000+ Neo partners0.75x

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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