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/5
Neo Financial
Mastercard
United® MileagePlus® Neo World Elite® MastercardPoints Calculator
Get up to 25,000 MileagePlus miles
Our Take
With miles earned on everyday, branded, and partner purchases, the United® MileagePlus® Neo World Elite® Mastercard 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.
Exclusive · From FinlyWealth$100 rebate
Card Details
Interest Rates
Purchase: 19.99% - 26.99%□
Cash Advance: 22.99% - 28.99%
Balance Transfer: 22.99% - 31.99%
□ Purchase rate for Quebec residents is 19.99% - 23.99%
Annual Fees
Main Card: $89
Additional Cards: $49 (max 1 additional cardholder)
Welcome Bonus
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*
Annual Income
Personal: $80,000
Household: $150,000
Credit Score Estimate
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Card Type
Credit
Our Rating
4.2/5
Institution
Neo Financial
How You Earn 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.
Annual Rewards Breakdown
Annual Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
13 insurance
4 benefits
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
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Car Rental Damage & Theft**
Yes
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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.
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
Legal
*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.
