The United® MileagePlus® Neo World Elite® Mastercard is issued by Neo Financial® pursuant to license by Mastercard International Incorporated.
The standard rate on Purchases and Cash Advances is dependent on our assessment of your credit application, credit profile, and your province. See your Cardholder Disclosure at time of application for your specific rate.
MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to the MileagePlus® miles terms and conditions.
Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated.
* 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. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and 4. for secured cards only, provide security funds.
The up to 30,000 MileagePlus® miles offer is comprised of four components: (i) 5,000 bonus MileagePlus® miles (waitlist offer): to qualify, customers must have signed up for the waitlist before April 10, 2026, be approved for the United® MileagePlus® Neo World Elite® Mastercard by July 31, 2026, and activate their card and make their first purchase; (ii) 5,000 MileagePlus® miles awarded upon card activation and first transaction; (iii) 15,000 MileagePlus® miles awarded upon completing a minimum spend of $3,000 net of refunds within 3 months from the application approval date; and (iv) an Annual Renewal Bonus of 5,000 MileagePlus® miles awarded each year following the annual fee charge, provided your account remains open and in good standing with at least one eligible purchase in the preceding 365 days. Miles from components (i) to (iv) are issued 6–8 weeks after the conditions of each component are met.
MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to the MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time.
¹ You must be the account owner at the time of check-in to be eligible for free checked bags. This benefit is only available on flights operated by United or United Express; codeshare flights are not eligible. Unpublished fares, such as those purchased on priceline.com and Hotwire, are not eligible for the free bag benefit. Checked bags must meet weight and size restrictions and may be subject to additional fees. Offer subject to change without notice. Other restrictions may apply.
Neo Financial® is not responsible for the provision of, or failure to provide, the stated benefits and services.
² The account owner and companions traveling on the same reservation are eligible for priority boarding; additional cardholders are only eligible if they are on the same reservation as the account owner. To receive priority boarding, the account owner must include their MileagePlus® number in their reservation. Priority boarding is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. MileagePlus® members can board the plane before general boarding, after MileagePlus Premier® members, customers with Premier Access® and travelers requiring special assistance. Neo Financial™ is not responsible for the provision of, or failure to provide, the stated benefits.
Neo Financial® is not responsible for the provision of, or failure to provide, the stated benefits.
³ You will earn 1.25 MileagePlus® miles for every $1 CAD when you use your United® MileagePlus® Neo World Elite® Mastercard on purchases in Canada and worldwide. MileagePlus® miles will be credited directly to your MileagePlus® membership account at the last day of each month. MileagePlus® miles may be limited and vary by offer and partner. Offer is subject to the MileagePlus® terms and conditions. Neo Financial® and United® reserve the right to amend or withdraw this offer at any time.
⁴ You will earn 1 MileagePlus® mile for every $1 CAD when you use your United® MileagePlus® Neo World Elite® Mastercard on eligible grocery and dining purchases in Canada and worldwide. MileagePlus® miles will be credited directly to your MileagePlus® membership account at the last day of each month. MileagePlus® miles may be limited and vary by offer and partner. Offer is subject to the MileagePlus® terms and conditions. Neo Financial® and United® reserve the right to amend or withdraw this offer at any time.
⁵ You will earn 0.75 MileagePlus® miles for every $1 CAD when you use your United® MileagePlus® Neo World Elite® Mastercard on every eligible purchase in Canada and worldwide. MileagePlus® miles will be credited directly to your MileagePlus® membership account at the last day of each month. MileagePlus® miles may be limited and vary by offer and partner. Offer is subject to the MileagePlus® terms and conditions. Neo Financial® and United® reserve the right to amend or withdraw this offer at any time.
⁶ MileagePlus miles may be limited and vary by perks, offer, and partner. Offer is subject to the United terms and conditions. Neo Financial® and United reserve the right to amend or withdraw this offer at any time.
⁷ You will receive cashback once every 5 years (up to $120 USD) as a refund for your NEXUS program application fee, provided the application fee is charged to your United® MileagePlus® Neo World Elite® Mastercard, by you or an additional cardholder. This benefit applies only to the NEXUS program, other Trusted Traveler Programs are not eligible. Only purchases made directly with the U.S. Department of Homeland Security, eligible partner listed on ttp.cbp.dhs.gov/(Opens Overlay), or authorized enrollment providers featured on tsa.gov/precheck website are eligible for reimbursement. Purchases made through any third parties, such as travel agencies or application assistance services, are not eligible for reimbursement. The statement credit will appear on your credit card billing statement within 1-2 billing cycles. You are responsible for payment of all charges until the statement credit posts to the account. Neo Financial™ has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. Learn more about the NEXUS program, including application details and full terms and conditions.
⁸ Certain terms, conditions and exclusions apply. Learn more.
⁹ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in each Certificate of Insurance, and for Quebec residents, each Product Summary. Travel insurances unavailable for Quebec residents. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans
¹0 Certain terms, conditions, and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions.
¹¹ Certain terms, conditions and exclusions apply. For more information, please refer to your benefits guide or contact Neo Financial®.
¹² Based on a comparison of Canadian airline co-brand credit cards available as of March 10, 2026 "Accessible" refers to secure card functionality, annual fee, income eligibility relative to comparable premium airline travel credit cards. The United Neo World Elite Mastercard has an annual fee of $89 and requires a minimum personal income of $80,000 with a secured card option. Annual fees, income requirements, and card features are subject to change. Subject to credit approval and Neo Financial's standard terms and conditions.
¹³ Conditions apply. Must 1) be the age of majority in your province or territory of residence; 2) be a Canadian resident; 3) provide security funds; 4) be eligible for credit under Neo’s policies.
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