Head to head
Neo Mastercard vs United MileagePlus Neo World Elite Mastercard
Fees, rates, rewards, and welcome offers side by side. Every figure links to the issuer's own page.
| Issuer | Neo Financial | Neo Financial |
| Network | Mastercard | Mastercard World Elite |
| Annual fee | No fee | $89 |
| Purchase APR | 19.99% | 19.99% |
| Cash advance APR | 22.99% | — |
| FX fee | n/a | n/a |
| Welcome (est. value) | n/a | See offer |
| Top earn rate | 1% gas | 1.25x travel_airline |
| Lounge visits | n/a | n/a |
| Min. income | n/a | $80,000 |
Frequently asked
- Is the Neo Mastercard or the United MileagePlus Neo World Elite Mastercard better?
- Neither is universally better. The Neo Mastercard charges a No fee annual fee at 19.99% purchase APR, while the United MileagePlus Neo World Elite Mastercard charges $89 at 19.99%. The right pick depends on how you spend and whether you carry a balance. Confirm all details on each issuer's page before applying.
- Where do these numbers come from?
- Every fee, rate, and offer here is pulled from the card issuer's own product and application pages, never an affiliate feed. Rates and offers change, so always verify on the official issuer page before you apply.
- Is this financial advice?
- No. This is an educational comparison to help you weigh two cards. It is not financial advice.
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