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Mr. Loonie
United® MileagePlus® Neo World Elite® Mastercard

United® MileagePlus® Neo World Elite® Mastercard

Best for: United and Star Alliance flyers who want MileagePlus miles

Your spending a month
What’s in each?
Light:
Groceries $400, restaurants $100, gas $100, recurring bills $100, everything else (base rate) $250, foreign currency $50
Typical:
Groceries $800, restaurants $250, gas $250, recurring bills $250, travel $150, everything else (base rate) $650, foreign currency $150
Big:
Groceries $1,200, restaurants $500, gas $400, recurring bills $400, travel $500, everything else (base rate) $1,600, foreign currency $400
Yours:
Your own amounts, saved on this device only
Year one
$701
Every year after
$381

Ranked #49 of 176 for year one. See the list

See how we worked it out
Welcome offer you’d get
$320
All of year one’s offer. Up to 25,000 MileagePlus miles.
Annual fee
$89 a year
Apply now on Neo’s site (opens in a new tab)
Needs $80,000 personal or $150,000 household income
We may get paid if you apply through this link. It never changes our score.

Have this card?

Details from Neo’s site. Banks can update terms at any time, so give them a quick look before you apply. Source

Is it for me? What you’d earn Welcome offer Can I get it? Fees Similar cards
3 quick questions

Is it for me?

Do you spend $400 or more a month on flights?

Is your personal income $80,000 or more, or your household’s $150,000 or more?

Do you pay your card off in full most months?

Answer the 3 questions to see if it fits.

From the numbers

The good and the bad

Stands out

  • Good: 1.25 points per $1 on flights At our value for these points, that’s about 2% back.
  • Good: Welcome offer up to 25,000 MileagePlus miles About $400 at our value for these points.

Watch for

  • Watch for: $89 a year You need about $400 a month on flights to earn it back.

Worked out from the card’s rates and fees.

Show your work

What you’d earn

With typical spending of $2,500 a month.

MileagePlus miles valued at 1.6¢ each.

  • Groceries $154
    1 point per $1 · 1.6% back $800 a month · 9,600 MileagePlus miles a year
  • Restaurants $48
    1 point per $1 · 1.6% back $250 a month · 3,000 MileagePlus miles a year
  • Gas $36
    0.75 point per $1 · 1.2% back $250 a month · 2,250 MileagePlus miles a year
  • Recurring bills $36
    0.75 point per $1 · 1.2% back $250 a month · 2,250 MileagePlus miles a year
  • Travel $22
    0.75 point per $1 · 1.2% back $150 a month · 1,350 MileagePlus miles a year
  • Everything else $94
    0.75 point per $1 · 1.2% back $650 a month · 5,850 MileagePlus miles a year
  • Foreign currency $22
    0.75 point per $1 · 1.2% back $150 a month · 1,350 MileagePlus miles a year
For you Year one Later years
Points you earn25,650 MileagePlus miles a year, at 1.6¢ each $410 $410
Welcome offer20,000 MileagePlus miles you’d reach $320 $0
Annual fee −$89 −$89
Foreign currency feeFee not listed, so we count the usual 2.5% on $1,800 a year −$45 −$45
Rental car damage cover1 rental of 3 days at $35 a day $105 $105
Total $701 $381

Rows are rounded to the dollar. Insurance counts at what the same cover costs on its own, and only pays when you charge the trip, rental or phone to the card.

What counts in each category
Flights
1.25 points per $1 United Airlines and Star Alliance flights
Groceries
1 point per $1 On United Airlines and Star Alliance flights
Restaurants
1 point per $1
Everything else (base rate)
0.75 point per $1

Get 5000 miles every year your account stays open

How MileagePlus miles work, and why 1.6¢

We count MileagePlus miles at 1.6¢ each, a typical value when you use them well.

We set one value per points program and use it on every card in that program, so you can compare points cards and cash back cards on the same scale.

These are example budgets to compare cards side by side, not averages. Your own spending will give a different number.

Checked on Nov 8, 2026. Source

Welcome offer

Can your spending get the full offer?

At $2,500 a month, here’s when you’d reach each step.

  1. 1

    5,000 MileagePlus miles · about $80

    Get approved for the card.

    • Make your first purchase
  2. 2

    15,000 MileagePlus miles · about $240

    Spend $3,000 in your first 3 months.

    You’d reach it in month 2.

  3. 3

    5,000 MileagePlus miles · about $80

    Keep the card for a year.

    • Account stays open; Every year

Offer end date not published.

Offer checked on Nov 8, 2026. Source

Before you apply

Can I get it?

  • Age 18 or older 19 or older in BC, NB, NL, NS and the territories
  • Where you live Canada
  • Personal income $80,000 or more Issuer says
  • Household income $150,000 or more Issuer says
  • Credit score No minimum on record Most banks don’t publish one, and we don’t guess.

Checked on Nov 8, 2026. Source

Mr. Loonie’s tip Each application shows up on your credit file. Leave a few months between card applications.

What cardholders say

Ratings from people with this card

No ratings yet. If you have this card, tell others what it’s like.

Applied and weren’t approved?

Insurance and perks

What comes with it

  • Car rental damage Included
  • Travel accident Included
  • Free checked bag
  • Group 2 priority boarding on United-operated flights—for you and your travel companions
  • Statement credit of up to USD $120 toward your NEXUS application or renewal fee, once every 5 years
  • Earn and redeem miles across United and 25+ Star Alliance partners
  • Out-of-province medical insurance
  • Delayed and lost baggage insurance
  • Trip cancellation and interruption insurance
  • Flight delay insurance
  • Mastercard Global Service
Coverage limits

We haven’t recorded the coverage limits for this card yet. Read Neo’s insurance certificate before you count on any coverage.

Not included

Not listed for this card: travel medical, trip cancellation, trip interruption, flight delay, lost baggage, purchase protection, extended warranty and mobile device.

Fees and interest

What it costs

Annual fee
$89 a year
Purchase interest
19.99%
All fees and rates

Fees

Source
Issuer page

Checked on Nov 8, 2026. Source

Before you decide

Similar cards for the same spending

With typical spending. This card: $701 year one, $381 every year after.

See all cards ranked for your spending

Some of these links pay us when you apply, at no extra cost to you. Most don’t, and pay never changes our score. How we make money

Common questions

Questions people ask

What is the annual fee on the United® MileagePlus® Neo World Elite® Mastercard?

$89 a year.

How much is the United® MileagePlus® Neo World Elite® Mastercard welcome offer worth?

Up to 25,000 MileagePlus miles, about $400. You get it in 3 steps: 5,000 MileagePlus miles when you are approved; 15,000 MileagePlus miles after you spend $3,000 in the first 3 months; 5,000 MileagePlus miles on your first card anniversary.

What income do I need?

Neo asks for $80,000 in personal income.

What is the interest rate?

19.99% on purchases.

Does it include insurance?

It lists out-of-province medical insurance, delayed and lost baggage insurance, trip cancellation and interruption insurance and flight delay insurance. Read the insurance certificate for the limits.

Rates, fees and offers come from the card issuers and change often. We work to keep this page accurate and current, but it may contain mistakes, so always check the issuer’s terms before you apply. This page is general information and isn’t financial advice.

Spot something wrong? We’ll check it with the bank. Suggest a correction

Card names, logos and trademarks belong to their owners. No issuer wrote, paid for or approved what we say about this card. Our scores and opinions are our own.

Mr. Loonie is independent and supported by affiliate links. We may earn a commission when you apply through some links, at no cost to you. How we make money

$701
year one for you
Apply now on Neo’s site (opens in a new tab)
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