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United® MileagePlus® Neo World Elite® Mastercard
$100
United World Elite
Credit Card · Apply through Finly
Cash back
$100
Finly rebate
$100
Get $100 rebate** on the United® MileagePlus® Neo World Elite® Mastercard
Stacks on top of the card’s welcome bonus
Apply through Finly to collect the card's welcome bonus from the issuer plus our Finly rebate on top — sent to your bank via Interac e-Transfer once your application is approved.
Paid via INTERAC e-Transfer
Secure & private
$1,236,000+ paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
- Subject to Approval
- This offer is only valid for eligible new cardholders
The card
Why United World Elite?
Frequent United Airlines flyers
How to earn the 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*
Earns rewards on
0.75x - 1.25x
Travel
Groceries
Dining
- 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.
Fees & rates
Annual fee
$89
Purchase interest
19.99% - 26.99%
Cash advance interest
22.99% - 28.99%
Foreign transaction
3%
Additional cards
$49 (max 1 additional cardholder)
Min personal income
$80,000
Min household income
$150,000
Credit recommended
Good
Built-in perks & coverage
Free first checked bag
Priority Travel
Nexus Program Rebate
Airport Lounge - Dragon Pass
Travel Medical Insurance (64 & under)
Trip Cancellation
Trip Interruption
Flight Delay
Baggage Delay
Hotel Burglary Insurance
Ready when you are
$100 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
*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.