United® MileagePlus® Neo World Elite® Mastercard

Earn miles today, Travel farther tomorrow.

Rated 4.8/5 on the app stores

Earn MileagePlus miles on every purchase and enjoy premium United perks every time you fly.

$89 annual fee | Minimum $80,000 annual income required

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Up to 25,000 miles to get you started¹

  • 5,000 miles

    When you make your first purchase.

  • 15,000 miles

    When you spend $3,000 in your first 3 months.

  • 5,000 miles

    Every year your account stays open.

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Earn miles on every purchase

All with no limit on how many miles you can earn. Plus, earn extra MileagePlus miles at 10,000+ Neo partners across Canada.²

  • 1.25x miles per $1

    On United Airlines and Star Alliance flights³

  • 1x mile per $1

    On dining and grocery purchases⁴

  • 0.75x miles per $1

    On everything else⁵

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elevate every trip with united travel perks

  • Free checked bag

    Your first bag flies free on eligible United-operated flights. One less thing to think about at the airport.⁶

  • Priority boarding

    Board ahead of the crowd with Group 2 priority on United-operated flights—for you and your travel companions.⁷

  • NEXUS credit

    Receive a statement credit of up to USD $120 toward your NEXUS application or renewal fee, once every 5 years.⁸

  • Star Alliance network

    Earn and redeem miles across United and 25+ Star Alliance partners.

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Coverage when it counts

Ready for takeoff, before your card arrives

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Instant virtual card

Instant access to your spending before your physical card arrives.

Real-time alerts

Know the moment your card is used anywhere in the world.

Card controls

Freeze your card, check your PIN, and track spending from the Neo app.

Advanced fraud monitoring

AI-powered detection that works quietly in the background.

Auto-Pay

Set it up once and never worry about missing a payment again.

Offers at Neo partners

Earn bonus MileagePlus miles at thousands of Canadian retailers.

The card that fits your journey

Unlock the United MileagePlus Neo World Elite Mastercard—no matter your credit history. Get the same premium perks, miles and experience with our secured credit option.

  • You set the limit

    Provide a refundable security funds¹² to which act as your credit limit.

  • Build your credit while you travel

    Neo reports to major credit bureaus, supporting your credit profile as you earn miles.

  • Every premium benefit included

    Free checked bag, priority boarding, travel insurance, NEXUS credit, and Star Alliance access—all included regardless of your credit limit option.

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Ready to start earning?

Annual fee: $89
Minimum income: $80,000 personal or $150,000 household
Purchase interest: 19.99% - 29.99%

  • Earn up to 25,000 MileagePlus miles¹

    20,000 miles in your first three months, plus a 5,000-mile annual renewal bonus every year after.

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Frequently asked questions

Here’s some common questions about the Neo Mastercard.

Not sure this is your card?

Explore what you’re pre-approved for with no hard credit check.

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