United MileagePlus Neo World Elite Mastercard
Niche cardWhat the roles mean
- People who fly United: first checked bag free for the cardholder, plus 20,000 MileagePlus miles in year one, for $89 a year
"Up to 25,000 MileagePlus miles" (verified October 17, 2026, product page).
Checked on Neo's own page October 21, 2026. See Neo's page
What it earns in a year
25,650 points a year
Worth about $168 after the $89 fee at the simplest redemption, up to $424 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (Grocery stores only): 1× points.
- Dining & restaurants: 1× points.
- Everything else: 0.75× points.
Highlighted = use this card here.
Using your points
On the spending above, 25,650 points a year: worth $257 the easy way, $513 the best way.
- Easy way (1¢): Paying toward a cash fare
- Best way (2¢): Economy flights on United and Star Alliance partners
Our estimate: no published chart to work from yet
How to apply for the United MileagePlus Neo World Elite Mastercard
Check first
- Bonus only if you've never opened this card: other Neo cards don't count against you
- MileagePlus account required: Neo creates one during the application if you don't have one
- Not if you opened a Neo card recently: no secured Neo card in the last 3 months, or regular Neo card in the last 6 months
- Check you qualify Income: $80,000 personal or $150,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on Neo's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on Neo's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: 5,000 miles on your first purchase, 15,000 more after $3,000 in 3 months. Then 5,000 miles each year the fee renews (you need one purchase in the past year)
- United and Star Alliance flights: buy direct from the airline for 1.25 miles per $1 and the free bag. Travel agencies earn 0.75
- Groceries and dining: 1 mile per $1
- Everything else: use another card. This one pays 0.75 miles per $1 and charges 3% on foreign currency
- Example: $800/month groceries + $250 dining + $250 gas + $300 bills = 17,550 miles a year, worth $176–$351 if a mile is worth 1–2¢ (our assumption), $87–$262 after the fee
Key facts
- Annual fee
- $89
- Purchase interest
- 19.99%
- Foreign currency fee
- 3%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- Other pointsSee every Other points card
Annual fee waiver
- None
From neofinancial.com/credit-cards/neo-united-mastercard, checked October 17, 2026. Not an affiliate link.
More Neo cards
Neo World Elite Mastercard
- This card: dining & restaurants
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else
- Together: $614 a year after both fees, vs $168 with this card alone
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, bills & subscriptions, travel, transit, drugstore / pharmacy, entertainment, everything else makes it $799 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- First checked bag free on United-operated flights (cardholder only; ticket bought with the card)
- Group 2 priority boarding for you and companions on the same booking
- NEXUS fee credit up to US$120, once every 5 years
- 20,000 miles in year one, then 5,000 a year at renewal
- MileagePlus miles don't expire
- Build membership included at no cost
Cons
- 0.75 miles per $1 on most spending
- $89 a year, charged in year one too
- Bag and boarding perks apply only on United-operated flights, not codeshares
- Lounge visits through DragonPass cost about US$32 each; no free visits, no United Club
- 3% on foreign-currency purchases
- Travel medical only if you are under 60, and only for the first 14 days of a trip
- Needs $80,000 personal or $150,000 household income
Insurance included
- Travel medical: $1 million, under 60 only, first 14 days of a trip
- Trip cancellation: $1,000 per person, $5,000 per trip
- Trip interruption: $1,000 per person, $5,000 per trip
- Flight delay: $250 a day, up to $500, after 4 hours
- Delayed and lost bags: $1,000 in total for both
- Hotel burglary: $1,000
- Rental car damage: up to 48 days, cars up to $65,000 MSRP; decline the agency's cover
- Rental car accident: $100,000 accidental death and dismemberment
- Purchases: 90 days of theft/damage cover, $1,000 per claim, $10,000 per account across all your Neo cards; +1 year warranty
- Quebec residents: rental car damage is the only travel cover
Maximums as Neo lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Free checked bag: first bag for the cardholder on United-operated flights
- Priority boarding: Group 2 on United-operated flights
- NEXUS: up to US$120 back every 5 years
- Build membership: included at no cost
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| United MileagePlus Neo World Elite Mastercard | 1× points≈ 2.0% in value | $192 | $89 | October 21, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| United MileagePlus Neo World Elite Mastercard | 1× points≈ 2.0% in value | $60 | $89 | October 21, 2026 |
How the offer has changed
One row per check of Neo's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| October 21, 2026 | Up to 25,000 MileagePlus miles: 5,000 on activation + first purchase; 15,000 on $3,000 spend in 3 months; 5,000 renewal bonus each year (year one = 20,000)Unchanged. 1.25 / 1 / 0.75 miles per $1; $80k/$150k income | $89, not rebated yr 1 | none stated |
| October 17, 2026 | Up to 25,000 MileagePlus miles: 5,000 on activation + first purchase; 15,000 on $3,000 spend in 3 months; 5,000 renewal bonus each year (year one = 20,000)First capture | $89, not rebated yr 1 | none stated |
General information, not financial advice. Offers change; confirm on Neo's page before you apply.