United® MileagePlus® Neo World Elite® Mastercard Review

Item: United® MileagePlus® Neo World Elite® Mastercard
Rating: 4.2
Author: Sara Skodak

With the United® MileagePlus® Neo World Elite® Mastercard, earn MileagePlus miles on groceries, dining, and daily purchases, plus pocket premium perks like free first checked bags and priority boarding.

Apr 15, 2026 4:39 PM

Written By

Sara Skodak

Lead Writer

The Bottom Line

The United® MileagePlus® Neo World Elite® Mastercard awards frequent United Airlines flyers with miles on every flight and common everyday expenses. The rewards program is paired with some premium travel perks, like free first checked bags, priority boarding, and an airport lounge membership, all for a fair price point.

Skip to: Detailed Review

Our choice for: Frequent United Airlines flyers

United® MileagePlus® Neo World Elite® Mastercard

United MileaguePlus World Elite Mastercard

United® MileagePlus® Neo World Elite® Mastercard

4.2

Finly Rating

APPLY NOW

on Neo Financial's website

$100 Cash Rebate From FinlyWealth + Get up to 25,000 MileagePlus miles

Welcome Bonus

Get up to 25,000 MileagePlus miles

Rewards Rate

0.75x - 1.25x

Points

Annual Fee

$89

Interest Rates

19.99% - 26.99%□ / 22.99% - 28.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660⁎

Good

725⁎

Very Good

760⁎

Excellent

⁎Estimates based on Equifax scoring

Get your free credit score

Card Details

Rewards

1.25 miles per $1 on United & Star Alliance flights
1 mile per $1 on dining & groceries
0.75 miles per $1 everywhere else
Bonus miles through Neo's merchant 10K+ partner network (varies by offer)
Miles are calculated monthly and issued to the cardholder's United MileagePlus account.

Insurance

Coverage

Travel Medical Insurance (64 & under)^**
Up to $1,000,000
Trip Cancellation^**
$1,000
Trip Interruption^**
$1,000
Flight Delay^**
$500
Baggage Delay^**
$1,000
Hotel Burglary Insurance^**
$1,000
Car Rental Accident^**
$100,000 for cardholder, up to $10,000 per Spouse or Dependent Child
Car Rental Damage & Theft^**
Yes
Car Rental Personal Effects^**
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Lost or Stolen Baggage^**
$1,000
Mastercard Zero Liability Protection
yes

Benefits

Details

Free first checked bag
Your first checked bag is covered on all your future United flights.
Priority Travel
Be among the first to board with group 2 priority boarding for you and your family.
Nexus Program Rebate
Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal. Nexus gives Canadian travellers expedited border crossing between Canada and the U.S.
Airport Lounge - Dragon Pass
Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.

Eligibility

Credit Score
Good
Annual Income
$80,000 personal or $150,000 household

Welcome Bonus Details

Welcome Bonus: up to 20,000 MileagePlus miles*

5,000 miles on card activation and first transaction
Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal Bonus: 5,000 miles per year when account remains open and active with eligible spend within 365 days*

Card Details

Interest Rates

Purchase APR

19.99% - 26.99%□

Cash Advance APR

22.99% - 28.99%

Balance Transfer APR

22.99% - 31.99%

□ Purchase rate for Quebec residents is 19.99% - 23.99%

Fees

Annual Fee

$89

Additional Cards

$49 (max 1 additional cardholder)

Eligibility

Minimum Individual Income

$80,000

Minimum Household Income

$150,000

Credit Score Estimate

Good

Type

Card Type

Credit

Reward Type

Points

Loyalty Program

United MileagePlus

Pros & Cons

Pros

Low annual fee
Generous intro offer
Everyday and branded optimization opportunities
Boosted partner purchase optimization
Premium travel perks
Comprehensive coverage

Cons

High income requirements
Low base earn rate

Our Detailed Review

How to Earn Rewards with the United^® MileagePlus^® Neo World Elite^® Mastercard

There are a few ways to collect miles using the United® MileagePlus® Neo World Elite® Mastercard:

1.25 miles per $1 on United & Star Alliance flights
1 mile per $1 on dining & groceries
0.75 miles per $1 everywhere else
Bonus miles through Neo's merchant 10K+ partner network

How to Redeem Rewards with the United^® MileagePlus^® Neo World Elite^® Mastercard

Miles are calculated monthly and transferred to cardholders' United MileagePlus account.

Once received, they can be redeemed through the United MileagePlus program for:

Flights on United Airlines and 25+ Star Alliance partner airlines worldwide, including Air Canada, Lufthansa, and more
Flight upgrades
Hotel stays, car rentals, and more through MileagePlus partners

MileagePlus miles remain active as long as you earn or redeem at least once every 18 months.

For the full estimate of how much your MileagePlus miles are worth, plus an overview of the entire United MileagePlus loyalty program, check out our Credit Card Points Value Calculator.

Benefits and Perks

8 Benefits of the United^® MileagePlus^® Neo World Elite^® Mastercard

There are several benefits that make the United^® MileagePlus^® Neo World Elite^® Mastercard worthwhile.

✅ Low Annual Fee

One of the most notable aspects of the United® MileagePlus® Neo World Elite® Mastercard is that it comes with a lower annual fee compared to major bank premium card alternatives.

✅ Generous Welcome Bonus

Cardholders can also get their hands on plenty of extra MileagePlus miles upon activation, first transaction, and when certain spending thresholds are met. A renewal bonus of even more miles is also credited to active accounts with eligible spend annually, boosting that first year value even further.

✅ Impressive Optimization Opportunities

On top of solid miles on United and Star Alliance flight, plus dining and groceries, cardholders receive extra miles on Neo Partner purchases.

✅ Free First Checked Bags

Your first checked bag is covered on all future United flights.

✅ Priority Boarding

Be among the first to board with group 2 priority boarding for you and your family.

✅ Nexus Application Fee Credit

Cardholders receive up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal. Nexus gives Canadian travellers expedited border crossing between Canada and the U.S.

✅ Star Alliance Global Network Partnership

Earn and redeem MileagePlus miles across United Airlines and 25+ Star Alliance partner airlines worldwide, including Air Canada, Lufthansa, and more.

✅ Airport Lounge Membership

Enjoy access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit entry fee will apply.

Drawbacks and Considerations

2 Downsides to the United^® MileagePlus^® Neo World Elite^® Mastercard

Like any credit card, the United^® MileagePlus^® Neo World Elite^® Mastercard also has a couple of drawbacks.

❌ High Income Requirements

To qualify for this card, you'll need to meet some high annual income requirements, making this contender less accessible to some.

❌ Low Base Earn Rate

The earn rate on all purchases outside of branded travel, dining, groceries, and partner purchases is quite low.

Compare to Similar Cards

In this section, we're going to compare the United^® MileagePlus^® Neo World Elite^® Mastercard against some of the top travel credit cards in Canada.

	United® MileagePlus® Neo World Elite® Mastercard	Scotiabank Passport® Visa Infinite* Card	MBNA Rewards World Elite® Mastercard®	Scotiabank Gold American Express® Card	TD First Class Travel® Visa Infinite* Card
Welcome Bonus	Get up to 25,000 MileagePlus miles	Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points	Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††	Earn up to $850 in welcome offers	Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.
Earn Rates	1.25 miles per $1 on United & Star Alliance flights 1 mile per $1 on dining & groceries 0.75 miles per $1 everywhere else Bonus miles through Neo's merchant 10K+ partner network (varies by offer) Miles are calculated monthly and issued to the cardholder's United MileagePlus account.	Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more† Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)† Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases† Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†	Earn 5 points^‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category. 1 point^‡ for every $1 on all other eligible purchases. Each year, you will receive Birthday Bonus Points^‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.	Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more* Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.* Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.* Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more* Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services* Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia	Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^† Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^† Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^† Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Insurance Included	13 types Travel Medical Insurance (64 & under)^ Up to $1,000,000 Trip Cancellation^ $1,000 Trip Interruption^ $1,000 Flight Delay^ $500 Baggage Delay^ $1,000 Hotel Burglary Insurance^ $1,000 Car Rental Accident^ $100,000 for cardholder, up to $10,000 per Spouse or Dependent Child Car Rental Damage & Theft^ Yes Car Rental Personal Effects^ $1,000 Purchase Protection 90 days Extended Warranty 1 year Lost or Stolen Baggage^ $1,000 Mastercard Zero Liability Protection yes	12 types Travel Medical Insurance (64 & under) $2M/insured up to 25 days Travel Medical Insurance (65 to 75) $2M/insured up to 3 days Trip Cancellation $1,500/person, $10,000/trip Trip Interruption $2,500/person, $10,000/trip Flight Delay $500/person after 4 hours Lost or Stolen Baggage $1,000 Baggage Delay $1,000 Common Carrier Travel Accident Insurance $500,000/insured, $1M combined Car Rental Damage & Theft $65,000 up to 48 days Hotel Burglary Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year	10 types Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty 1 year Car Rental Damage & Theft 31 days Flight Delay $500/person after 4 hours Common Carrier Travel Accident Insurance $1,000,000 Travel Medical Insurance (64 & under) $2M for 21 days Lost or Stolen Baggage $1,000/person Baggage Delay $1,000/person Price Protection $500/item, $1,000/account per year	13 types Travel Medical Insurance (64 & under) $1M, Up to 25 days Travel Medical Insurance (65 to 75) $1M, Up to 3 days Trip Cancellation $1,500/person, $10,000/trip Trip Interruption $1,500/person, $10,000/trip Lost or Stolen Baggage $500/person, $1,000/trip Baggage Delay $500/person, $1,000/trip After 4 hours Flight Delay $500/person Common Carrier Travel Accident Insurance $500K/person, $1M/occurrence Car Rental Damage & Theft $65K up to 48 days Hotel Burglary Insurance $1,000/occurrence Mobile Device Insurance $1,000 Purchase Protection 90 days Extended Warranty Up to 1 year	13 types Travel Medical Insurance (64 & under)^† 21 days Travel Medical Insurance (65 to 75)^† 4 days Trip Cancellation^† $1,500 Trip Interruption^† $5,000 Flight Delay^† $500 Baggage Delay^† $1,000 Lost or Stolen Baggage^† $1,000 Common Carrier Travel Accident Insurance^† $500,000 Car Rental Damage & Theft^† yes Hotel Burglary Insurance^† $2,500 Purchase Protection^† 90 days Extended Warranty^† Up to 1 year Mobile Device Insurance^† $1,000
Benefits	4 benefits Free first checked bag Your first checked bag is covered on all your future United flights. Priority Travel Be among the first to board with group 2 priority boarding for you and your family. Nexus Program Rebate Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal. Nexus gives Canadian travellers expedited border crossing between Canada and the U.S. Airport Lounge - Dragon Pass Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.	5 benefits No Foreign Transaction Fees Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada Airport Lounge - Dragon Pass 6 Free complimentary visits Status lift Avis® Preferred Plus membership Concierge Services Visa Infinite Exclusive Benefits	4 benefits Annual Birthday Bonus 10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year) Car Rental Discount 10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally Trip and legal Assistance Concierge Services	4 benefits No Foreign Transaction Fees Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD American Express® Experiences Concierge Services Discount Discount on PriorityPass Membership	8 benefits Visa Infinite Exclusive Benefits^† Concierge Services^† Golf Benefit^† Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S Extra points^† Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply. Annual Birthday Bonus^† Earn a Birthday Bonus of up to 10,000 TD Rewards Points Car Rental Discount^† 10% off base rate of Avis Rent A Car and Budget Rent A Car Travel Credit^† Get an annual TD Travel Credit of $100 when you book at Expedia For TD Airport Lounge - Dragon Pass^† Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program
Annual Fee	$89	$150	$120	$120	$139 (First Year Rebated)
Income Requirements	$80,000 personal or $150,000 household	$60,000 personal or $100,000 household	$80,000 personal or $150,000 household	$12,000 personal or $12,000 household	$60,000 personal or $100,000 household
Apply Now	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW	APPLY NOW

United^® MileagePlus^® Neo World Elite^® Mastercard vs Scotiabank Passport Visa Infinite Card

Recognized as one of the best no foreign transaction fee credit cards in Canada, the Scotiabank Passport Visa Infinite Card earns more Scene+ points on groceries, dining, and travel. On top of no foreign transaction fees, cardholders also receive some complimentary Dragon Pass airport lounge visits, concierge services, and an Avis Preferred Plus membership. While this competitor is more expensive annually, it has lower personal income requirements.

Verdict: The Scotiabank Passport Visa Infinite Card is superior and more accessible for travellers who want to avoid foreign transaction fees, receive free lounge access, and optimize their dining, groceries, and general travel even further. That said, United cardholders can earn additional miles on similar categories on partner purchases.

United^® MileagePlus^® Neo World Elite^® Mastercard vs MBNA Rewards World Elite Mastercard

The MBNA Rewards World Elite Mastercard, one of the best rewards credit cards in Canada, earns more initial MBNA Rewards points on dining and groceries. While it doesn't explicitly collect points on travel, all rewards can be redeemed towards travel at a solid cent-per-point value. For perks, cardholders can expect an annual birthday bonus of extra points, car rental discounts, concierge services, and trip and legal assistance. Note, however, that both the annual fee and income requirements are higher.

Verdict: For those who qualify, the MBNA Rewards World Elite Mastercard offers better optimization on groceries and dining, which can later be redeemed at a high value towards travel. However, United cardholders can earn additional miles on similar categories on partner purchases and pocket miles directly on travel purchases.

United^® MileagePlus^® Neo World Elite^® Mastercard vs Scotiabank Gold American Express Card

With the Scotiabank Gold American Express Card, cardholders can collect more initial Scene+ points on groceries, dining, and travel. Like the Scotiabank Passport, the Scotiabank Gold Amex also avoids foreign transaction fees and includes concierge services and a discount on a Priority Pass membership. While the Scotiabank Gold Amex is pricier annually than the United Card, it has much lower annual income requirements.

Verdict: The Scotiabank Gold Amex is much more accessible and earns better initial points on similar categories. Still, the United Card can boost its earn categories on partner purchases and has more travel perks overall.

United^® MileagePlus^® Neo World Elite^® Mastercard vs TD First Class Travel Visa Infinite Card

Ranked as one of the best TD credit cards in Canada, the TD First Class Travel Visa Card earns more TD Rewards points on travel, groceries, and dining. That said, TD Rewards points aren't very valuable overall. Regardless, cardholders still receive valuable travel perks like an annual travel credit and complimentary airport lounge access. While the annual fee is higher than the United Card, it's waived for the first year. Personal annual income requirements are also lower on this contender.

Verdict: The TD First Class Travel Visa Infinite Card is great for those who book through Expedia for TD and who want free lounge access.

Frequently Asked Questions

Currently, the annual income requirements of the United^® MileagePlus^® Neo World Elite^® Mastercard are $80,000 individual or $100,000 household.

The United^® MileagePlus^® Neo World Elite^® Mastercard comes with a Dragon Pass airport lounge membership, but cardholders still need to pay an entry fee per visit

No, MileagePlus miles do not expire. They remain active as long as you earn or redeem at least once every 18 months.

If you're a frequent United Airlines flyer, then the United^® MileagePlus^® Neo World Elite^® Mastercard offers significant value, earning applicable miles on both branded and everyday purchases to support your next getaway.

About the author

Sara Skodak

Lead Writer

Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...

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On this page

The Bottom Line
Welcome Bonus Details
Card Details
Pros & Cons
Our Detailed Review
Compare to Similar Cards
Benefits and Perks
Drawbacks and Considerations
Frequently Asked Questions

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United® MileagePlus® Neo World Elite® Mastercard

4.2

FinlyWealth Rating

APPLY NOW

on Neo Financial's website

Get personalized rewards estimates — see exactly how much you could earn.

United® MileagePlus® Neo World Elite® Mastercard Points Calculator

*Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must (1) be the age of majority in your province or territory of residence; (2) be a Canadian resident; (3) have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and (4) for secured cards only, provide security funds. Initial 5,000 MileagePlus miles are issued once the card is activated. To earn additional 15,000 MileagePlus miles, minimum spend of $3,000 net of refunds must be completed within 3 months from application start date. Additional MileagePlus miles are issued 6–8 weeks after the qualifying spend period. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.

** Travel insurance benefits not available in Quebec.

Neo Financial™ and United Airlines are separate entities. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Benefits and offers are subject to change. See neofinancial.com/legal for full terms.

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United® MileagePlus® Neo World Elite® Mastercard

Scotiabank Passport® Visa Infinite* Card

MBNA Rewards World Elite® Mastercard®

Scotiabank Gold American Express® Card

TD First Class Travel® Visa Infinite* Card

Welcome Bonus

Get up to 25,000 MileagePlus miles

Earn up to $1,500 in value, including up to 60,000 bonus Scene+ points

Up to 30,000 points ($245 in cash back value or $300 when redeemed for MBNA Travel)††

Earn up to $850 in welcome offers

Earn up to $1,400 in value†, including up to 165,000 TD Rewards Points† and receive an annual fee rebate for the first year†. Conditions Apply.

Earn Rates

1.25 miles per $1 on United & Star Alliance flights
1 mile per $1 on dining & groceries
0.75 miles per $1 everywhere else
Bonus miles through Neo's merchant 10K+ partner network (varies by offer)
Miles are calculated monthly and issued to the cardholder's United MileagePlus account.

Earn 3x Scene+™ points on every $1 you spend at Sobeys, Safeway, IGA, Foodland and participating Co-ops and more†
Earn 2x Scene+™ points for every $1 you spend on other eligible grocery stores, dining, eligible entertainment purchases and eligible daily transit options (including rideshares, buses, subways taxis and more)†
Plus earn 1 Scene+™ point for every $1 spent on all other eligible everyday purchases†
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia†

Earn 5 points^‡ for every $1 spent on eligible restaurant, grocery, digital media, membership, and household utility purchases until $50,000 is spent annually in the applicable category.
1 point^‡ for every $1 on all other eligible purchases.
Each year, you will receive Birthday Bonus Points^‡ equal to 10% of the total number of Points the Account earned in the 12 months before the month of the primary cardholder's birthday, to a maximum Birthday Bonus each year of 15,000 Points.

Earn 6x Scene+ points on every $1 you spend at Sobeys, Safeway, Freshco, Foodland and more*
Earn 5x Scene+ points for every $1 you spend on dining, food delivery and other eligible grocery stores. Includes popular food delivery and food subscriptions.*
Earn 5x Scene+ points for every $1 you spend in Canada eligible entertainment purposes. Includes movies, theatre and ticket agencies stores.*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible gas and daily transit options. Includes rideshares, buses, subway, taxis and more*
Earn 3x Scene+ points for every $1 CAD you spend in Canada on eligible select streaming services*
Plus earn 1 Scene+ point for every $1 spent on all other eligible everyday purchases
Earn additional benefits + up to 4x Scene+ points for every dollar you spend on hotel bookings, car rentals, and things to do with Scene+ Travel, Powered by Expedia

Earn 8 TD Rewards Points^†for every $1 you spend when you book travel through Expedia^®For TD^†
Earn 6 TD Rewards Points^† for every $1 you spend on Groceries, Dining, and Public Transit^†
Earn 4 TD Rewards Points^† for every $1 you spend on Recurring Bill Payments and Streaming, Digital Gaming & Media^†
Earn 2 TD Rewards Points For every $1 you spend on other Purchases made using your Card^† plus earn an annual Birthday Bonus^† of up to 10,000 TD Rewards Points
Earn more at Starbucks: Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.

Insurance Included

13 types

Travel Medical Insurance (64 & under)^**
Up to $1,000,000
Trip Cancellation^**
$1,000
Trip Interruption^**
$1,000
Flight Delay^**
$500
Baggage Delay^**
$1,000
Hotel Burglary Insurance^**
$1,000
Car Rental Accident^**
$100,000 for cardholder, up to $10,000 per Spouse or Dependent Child
Car Rental Damage & Theft^**
Yes
Car Rental Personal Effects^**
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Lost or Stolen Baggage^**
$1,000
Mastercard Zero Liability Protection
yes

12 types

Travel Medical Insurance (64 & under)
$2M/insured up to 25 days
Travel Medical Insurance (65 to 75)
$2M/insured up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$2,500/person, $10,000/trip
Flight Delay
$500/person after 4 hours
Lost or Stolen Baggage
$1,000
Baggage Delay
$1,000
Common Carrier Travel Accident Insurance
$500,000/insured, $1M combined
Car Rental Damage & Theft
$65,000 up to 48 days
Hotel Burglary Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year

10 types

Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
1 year
Car Rental Damage & Theft
31 days
Flight Delay
$500/person after 4 hours
Common Carrier Travel Accident Insurance
$1,000,000
Travel Medical Insurance (64 & under)
$2M for 21 days
Lost or Stolen Baggage
$1,000/person
Baggage Delay
$1,000/person
Price Protection
$500/item, $1,000/account per year

13 types

Travel Medical Insurance (64 & under)
$1M, Up to 25 days
Travel Medical Insurance (65 to 75)
$1M, Up to 3 days
Trip Cancellation
$1,500/person, $10,000/trip
Trip Interruption
$1,500/person, $10,000/trip
Lost or Stolen Baggage
$500/person, $1,000/trip
Baggage Delay
$500/person, $1,000/trip After 4 hours
Flight Delay
$500/person
Common Carrier Travel Accident Insurance
$500K/person, $1M/occurrence
Car Rental Damage & Theft
$65K up to 48 days
Hotel Burglary Insurance
$1,000/occurrence
Mobile Device Insurance
$1,000
Purchase Protection
90 days
Extended Warranty
Up to 1 year

13 types

Travel Medical Insurance (64 & under)^†
21 days
Travel Medical Insurance (65 to 75)^†
4 days
Trip Cancellation^†
$1,500
Trip Interruption^†
$5,000
Flight Delay^†
$500
Baggage Delay^†
$1,000
Lost or Stolen Baggage^†
$1,000
Common Carrier Travel Accident Insurance^†
$500,000
Car Rental Damage & Theft^†
yes
Hotel Burglary Insurance^†
$2,500
Purchase Protection^†
90 days
Extended Warranty^†
Up to 1 year
Mobile Device Insurance^†
$1,000

Benefits

4 benefits

Free first checked bag
Your first checked bag is covered on all your future United flights.
Priority Travel
Be among the first to board with group 2 priority boarding for you and your family.
Nexus Program Rebate
Up to $120 USD reimbursed every 5 years toward a new Nexus application or renewal. Nexus gives Canadian travellers expedited border crossing between Canada and the U.S.
Airport Lounge - Dragon Pass
Access to 1,400+ airport lounges worldwide through the Mastercard Travel Pass program powered by DragonPass. Membership included, per-visit fee will apply.

5 benefits

No Foreign Transaction Fees
Avoid the usual 2.5% forex fees on your purchases when you travel outside of Canada
Airport Lounge - Dragon Pass
6 Free complimentary visits
Status lift
Avis® Preferred Plus membership
Concierge Services
Visa Infinite Exclusive Benefits

4 benefits

Annual Birthday Bonus
10% of the Points earned the 12 months prior to the primary cardholder's birthday month (up to a max 15,000 bonus points per year)
Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car in Canada and US and 5% internationally
Trip and legal Assistance
Concierge Services

4 benefits

No Foreign Transaction Fees
Avoid the 2.5% foreign transaction fees incurred when spending in non $CAD
American Express® Experiences
Concierge Services
Discount
Discount on PriorityPass Membership

8 benefits

Visa Infinite Exclusive Benefits^†
Concierge Services^†
Golf Benefit^†
Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Extra points^†
Link your eligible Card to earn 50% more TD Rewards Points plus more Starbucks Stars. Redeem points for even more Stars. Conditions apply.
Annual Birthday Bonus^†
Earn a Birthday Bonus of up to 10,000 TD Rewards Points
Car Rental Discount^†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Travel Credit^†
Get an annual TD Travel Credit of $100 when you book at Expedia For TD
Airport Lounge - Dragon Pass^†
Enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program

Annual Fee

$89

$150

$120

$139 (First Year Rebated)

Income Requirements

$80,000 personal or $150,000 household

$60,000 personal or $100,000 household

$80,000 personal or $150,000 household

$12,000 personal or $12,000 household

$60,000 personal or $100,000 household

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Frequently Asked Questions

Currently, the annual income requirements of the United^® MileagePlus^® Neo World Elite^® Mastercard are $80,000 individual or $100,000 household.

The United^® MileagePlus^® Neo World Elite^® Mastercard comes with a Dragon Pass airport lounge membership, but cardholders still need to pay an entry fee per visit

No, MileagePlus miles do not expire. They remain active as long as you earn or redeem at least once every 18 months.

The Bottom Line

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