travel

United MileagePlus Neo World Elite Mastercard

Name: United MileagePlus Neo World Elite Mastercard
Brand: Neo Financial

4.0

Welcome bonus

Up to 25,000 MileagePlus miles

1.25x united airlines & star alliance flights
1x dining
1x groceries

Annual fee: $89
Interest rates: Purchases
19.99%
Foreign transactions: 2.5%

Rated 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 (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

Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but Neo Financial can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on Neo Financial's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and Neo Financial's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with Neo Financial. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

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.