Pros
- ✓Welcome Bonus: 25,000 miles
- ✓Purchase protection included
- ✓Travel medical insurance included
Cons
- ✗Foreign Transaction Fee (2.5%)
Our Review
The United® MileagePlus® Neo World Elite® Mastercard® is the only credit card in Canada that allows you to earn United MileagePlus miles while enjoying exclusive airline benefits directly on your credit card.
For a limited time, you can earn up to 20,000 MileagePlus miles as a welcome bonus:
- 5,000 MileagePlus miles on card activation and first transaction
- 15,000 additional MileagePlus miles when you spend $3,000 net of refunds within 3 months of application
And 5,000 miles per year when the account remains open and active with eligible spend within 365 days This is an approximate $90 value based on our valuation of MileagePlus miles.
With the United® MileagePlus® Neo World Elite® Mastercard®, you earn MileagePlus miles on every purchase:
- 1.25 miles per dollar on United and Star Alliance flights
- 1 mile per dollar on dining and groceries
- 0.75 miles per dollar everywhere else
You can also earn bonus miles at over 10,000 Neo merchant partners across the country.
When travelling with United, you benefit from a first checked bag free on all your flights, as well as Group 2 priority boarding for you and your family.
With the United® MileagePlus® Neo World Elite® Mastercard, you automatically receive at least a 10% discount on award flights, and even 15% if you hold Premier MileagePlus status.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
As a World Elite Mastercard, you also enjoy paid access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass, as well as comprehensive travel insurance coverage (insurance coverage not available in Quebec).
Finally, the card reimburses up to $120 USD every 5 years to cover your Nexus application or renewal fees — the expedited border crossing program between Canada and the U.S.
A secured version of the card is also available with a security deposit. It offers the exact same mile earn rates and travel benefits, while allowing you to build or rebuild your credit history in Canada.
Rewards
All Spending
0.75x
United MileagePlus pts per dollar
Groceries
1x
Restaurants
1x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
18,420
United MileagePlus/yr
Estimated Value
$295
After Fees
+$206
1st Year Value
$606
incl. welcome bonus
Annual rewards breakdown
Travel Insurance
Travel Medical
Up to $1,000,000 / 14 days
Trip Cancellation
Included
Trip Interruption
Included
Lost Baggage
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Interest Rates
- Purchase Rate19.99%
- Cash Advance22.99%
- Foreign Transaction Fee2.5%
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
Welcome Offer and Renewal
Earn up to 25,000 miles, including a welcome bonus and an annual renewal 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 the account remains open and active with eligible spend within 365 days
Mile Earn Rates
- 1.25 miles per $1 on United and Star Alliance flights
- 1 mile per $1 on dining and groceries
- 0.75 miles per $1 everywhere else
- Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners
Benefits of the card
- Free First checked bag: Your first checked bag is covered on all your United-operated flights.
- Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
- Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
- Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.
World Elite Mastercard Benefits
- Mastercard Zero Liability
- Mastercard Global Service
- Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.
Insurance
- Emergency medical insurance
- Comprehensive Travel Insurance
- Extended Warranty and Purchase Protection
- Car Rental Collision and Damage Insurance
Chubb travel insurance is not offered in Quebec.
Maximize your travel: earn more miles on every flight
When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.
Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.
Get more value from your miles
As a United cardholder, your miles are worth more—and give you access to more options.
You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.
In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.
In practical terms, this means:
- You spend fewer miles on your flights
- You gain access to better seats and more options
- You can book travel experiences that are unavailable to other members
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.
Related Cards
Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.