United MileagePlus Neo World Elite Mastercard
MASTERCARDTravel points & miles
United MileagePlus Neo World Elite Mastercard
6.2Canada Cards ScoreGoodWelcome bonus
25,000 pts
Up to 25,000 MileagePlus miles
Why get this card
- ✓Earn 1.25x on travel airline
- ✓6 insurance coverages
Pros
- +6 insurance coverages
Cons
- -$89 annual fee
- -Needs $80,000 minimum income
Earn rates
- travel_airline1.25x
1.25x miles per $1 on United Airlines and Star Alliance flights
- dining1x
1x mile per $1 on dining purchases
- grocery1x
1x mile per $1 on grocery purchases
- other0.75x
0.75x miles per $1 on everything else
Welcome offer
Up to 25,000 MileagePlus miles
- Bonus points
- 25,000
- Minimum spend
- $3,000
- Spend window
- 90 days
- Offer ends
- —
5,000 miles on first purchase; 15,000 miles when you spend $3,000 in first 3 months; 5,000 miles every year your account stays open (annual renewal bonus).
Is this a record high? See the bonus history →Fees
- Annual fee
- $89
- Additional card
- —
- Foreign transaction fee
- —
Annual fee $89. Purchase interest 19.99%-29.99%.
Interest rates
- Purchase APR
- 19.99%
- Cash advance APR
- —
- Balance transfer APR
- —
- Grace period
- —
- Rate effective date
- —
Benefits & insurance
- Lounge access
- —
- Insurance coverages
- 6
- Out-of-province medical (not available in Quebec)
- Delayed and lost baggage
- Trip protection
- Rental car coverage
- Mastercard Zero Liability
- Mastercard Global Service
Redemption & eligibility
- Reward currency
- United MileagePlus miles
- Redemption options
- —
- Transfer partners
- United Airlines, Star Alliance (25+ partners)
- Min. personal income
- $80,000
- Min. household income
- $150,000
Minimum $80,000 personal or $150,000 household annual income required. Free first checked bag, Group 2 priority boarding, and up to USD $120 NEXUS statement credit once every 5 years.
How we scored it
6.2Good- Everyday earn rateWeight 30
1.25x on travel_airline
- Welcome valueWeight 25
No current welcome offer
- Annual-fee valueWeight 20
$89 annual fee
- Benefits depthWeight 15
6 insurance coverages
- Interest costWeight 10
19.99% purchase APR
Our editorial rating, computed only from sourced figures. See the full methodology.
Compare with similar cards
Learn before you apply
Frequently asked
- Is the United MileagePlus Neo World Elite Mastercard worth it?
- It carries a $89 annual fee. Earn 1.25x on travel airline. Compare it against similar cards below before deciding.
- What is the annual fee and interest rate on the United MileagePlus Neo World Elite Mastercard?
- The annual fee is $89. The purchase interest rate is 19.99% and the cash advance rate is —. These are sourced from Neo Financial's official page.
- What rewards does the United MileagePlus Neo World Elite Mastercard earn?
- It earns up to 1.25x on travel airline, in United MileagePlus miles. See the full earn-rate breakdown above.
- What income do I need for the United MileagePlus Neo World Elite Mastercard?
- Neo Financial lists a minimum personal income of $80,000 or household income of $150,000.
More ways to compare
Official sources
Every figure on this page comes from Neo Financial's own pages. Last checked 2026-06-13.
Cited, never sponsored
Is this the right card for you?
See how it stacks up, or let the finder match you to the cards built for how you spend.