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United® MileagePlus® Neo World Elite® Mastercard Secured Review
The Bottom Line
With miles earned on everyday, branded, and partner purchases, the United® MileagePlus® Neo World Elite® Mastercard Secured is ideal for frequent United Airline flyers who redeem their rewards towards future trips. Complete with decent coverage, exclusive perks, and an affordable annual fee, this card allows members to step into the premium travel landscape without breaking the bank.
Our choice for: Frequent United Airlines flyers
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on Neo Financial's website
Welcome Bonus
Get up to 25,000 MileagePlus miles
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
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**
$500Baggage Delay**
$1,000
Hotel Burglary Insurance**
$1,000
Car Rental Accident**
$100,000 for cardholder, up to $10,000 per Spouse or Dependent Child.svg?dpl=dpl_5kCgTkxzWFfVmG7SZ8w6MuK6W3Lz)
Car Rental Damage & Theft**
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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
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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
PoorAnnual 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
Poor
Type
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
United® MileagePlus® Neo World Elite® Mastercard Secured
3.8
FinlyWealth Rating
on Neo Financial's website
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United® MileagePlus® Neo World Elite® Mastercard Secured Points Calculator
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on Neo Financial's website