Highlights

  • Earn 1.25x MileagePlus miles per $1 on United and Star Alliance flights, 1x on dining and grocery purchases, and 0.75x on everything else.
  • Get a free first checked bag and Group 2 priority boarding on eligible United flights.
  • Receive a statement credit of up to USD $120 toward a NEXUS application or renewal fee once every five years.
  • Save at least 10% of the miles required for eligible United award flights, or at least 15% if you have Premier status.

Who it suits: This card suits people who regularly fly United or use Star Alliance flights and can make use of the free checked bag and priority boarding. It can also work well for travellers who want to offset a NEXUS application fee with the credit. The annual fee is $89, so if you rarely fly United—or live in Quebec, where the card’s travel insurance is unavailable—consider whether the benefits will cover the fee.

United® MileagePlus® Neo World Elite® Mastercard

Issuer: Neo Financial Technologies Inc.
Network: Mastercard
Type: Credit card
Annual fee: $89 for the primary card; $49 per year for an additional card
Foreign transaction fee: 3%

This card earns United MileagePlus miles, and miles from card spending are transferred to the linked MileagePlus account through Neo’s posting process.

Welcome Offer

【November 3, 2026 update】 25,000 miles + $125:

  • Activate the card and make your first purchase: 5,000 United MileagePlus miles.
  • Spend $3,000 in the first three months: 15,000 United MileagePlus miles.
  • After each annual-fee charge, keep the account open and in good standing and make at least one eligible purchase during the preceding 365 days: 5,000 United MileagePlus miles. Renewal miles are usually issued 6–8 weeks after the conditions are met.
  • $125 cashback from the blog’s partner cashback site.

Apply through the referral link🔗

This page contains affiliate links. If you apply through them, this blog may earn a commission from FinlyWealth, at no cost to you. Product details and offers change often and may be out of date here, so confirm the current terms with the issuer before you apply.

Application requirements: You need at least $80,000 in personal annual income or $150,000 in household annual income. You must be a Canadian resident and the age of majority in your province or territory. Neo also offers a secured-credit option that requires security funds and remains subject to Neo’s credit policies; the offer above is limited to new customers who have not previously opened a United Neo World Elite Mastercard.

Everyday Earning

1.25x: United and Star Alliance flights. Earn 1.25 United MileagePlus miles per $1 CAD on eligible flight purchases in Canada and worldwide; the airline merchant category and booking channel must meet the issuer’s conditions. Related Aegean and Shenzhen purchases do not qualify for this special earn rate, and third-party travel-agency bookings earn at the everything-else rate.

1x: Dining and grocery. Earn 1 United MileagePlus mile per $1 on dining and grocery purchases worldwide. Neo uses Mastercard MCCs to identify categories, including grocery stores (5411), restaurants (5812), fast food (5814), caterers (5811), and bars (5813). Refunds, rebates, and similar credits may reduce or cancel the miles; the issuer does not list a separate spending cap for this rate.

0.75x: Everything else. Earn 0.75 United MileagePlus miles per $1 on other eligible purchases in Canada and worldwide. Refunds, rebates, and similar credits may reduce or cancel the miles; the issuer does not list a separate spending cap for this rate.

Benefits & Insurance

  • Free Checked Bag

The primary cardholder must be the primary cardholder at check-in, the reservation must include the primary cardholder’s MileagePlus number, and the applicable ticket must be paid with the card. The benefit applies to flights operated by United or United Express; codeshare flights and third-party discount platforms are excluded. Companions on the same reservation as the primary cardholder may also qualify under the product terms.

  • Group 2 Priority Boarding

The primary cardholder and companions on the same reservation can use Group 2 priority boarding on eligible United or United Express-operated flights; the reservation must include the primary cardholder’s MileagePlus number. Codeshare flights operated by partner airlines are excluded. An additional cardholder must travel on the same reservation as the account holder to meet the stated conditions.

  • NEXUS Credit

Once every five years, receive a statement credit of up to USD $120 toward a NEXUS application or renewal fee. The fee must be paid with the card by the primary or additional cardholder through an eligible NEXUS application channel. The credit usually takes 1–2 billing cycles to post, so you must pay the charge first.

  • MileagePlus Award-Flight Discount

Eligible primary cardholders can save at least 10% of the miles required for United or United Express award flights without Premier status, or at least 15% with Premier status. The benefit does not apply to Money + Miles, cash, or other redemption methods, and it is not transferable.

  • Star Alliance Mileage Network

The issuer says cardholders can earn and redeem MileagePlus miles across United and more than 25 Star Alliance partners. Redemptions remain subject to the United MileagePlus programme rules.

  • Extra Miles at Neo Partners

Earn extra United MileagePlus miles at more than 10,000 Neo Partners across Canada. The number of extra miles may be limited and varies by perk, offer, and partner.

Travel Insurance

Official insurance certificates🔗

Travel insurance is unavailable to Quebec residents. Unless otherwise noted, coverage generally requires the account to remain eligible when an incident occurs or a claim is made; claim-reporting, written-notice, and documentation deadlines also follow the applicable certificate.

  • Auto Rental Collision/Loss Damage Insurance

You must pay the full rental cost with the card and decline the rental agency’s CDW. Primary coverage can cover the rental vehicle’s actual cash value and valid Loss of Use charges. Only one rental vehicle can be covered at a time, and each rental is limited to 48 days. Third-party liability, bodily injury, damage to property outside the vehicle, alcohol or drug impairment, off-road use, racing, criminal acts, vehicles with an MSRP over $65,000, and listed special vehicle types are excluded. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Car Rental Accidental Death & Dismemberment Insurance

You must pay the full rental cost with the card. The primary cardholder, spouse, or dependent child may claim when an accident occurs while the person is in, entering, or exiting the rental vehicle and a covered death or dismemberment occurs within one year. The maximum is $100,000 for the primary cardholder and $10,000 for a spouse or dependent child, with a $150,000 aggregate limit for the same rental vehicle and accident. Off-road use, racing, intoxication or drug impairment, intentional injury, criminal acts, illness, and war are among the exclusions. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Car Rental Personal Effects Insurance

You must pay the full rental cost with the card, and the rental must be an eligible four-wheel passenger vehicle for no more than 48 days. Coverage is limited to $1,000 per claimant and $2,000 per occurrence, and it is excess coverage after other insurance. Cash, tickets, consumables, valuables, and mysterious disappearance are excluded; theft claims require evidence of forcible entry and reasonable protection of the belongings. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Delayed Baggage Insurance

The full airline ticket must be paid with the card or linked travel rewards. If baggage is delayed for more than six hours after arrival, necessary clothing and toiletries purchased before the bag is recovered and no later than 96 hours after arrival can be reimbursed up to $1,000. A delay on the final return leg, insufficient check-in or connection time, and listed items such as electronics, cash, and documents are excluded. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Lost or Damaged Baggage Insurance

Under the same baggage certificate, lost or damaged baggage is covered up to $1,000, and that amount shares the combined limit for delayed and lost or damaged baggage. Listed items such as electronics, cash, and documents, as well as situations where the required check-in or connection time was not allowed, are excluded. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Out of Province/Country Emergency Medical Insurance

The full trip must be paid with the card or linked travel rewards. The insured person must be under 60 and covered by a government health plan; the first 14 consecutive days from leaving the departure point are covered, with certificate-based extensions for hospitalization or a delayed medical return. Eligible emergency medical expenses are covered up to $1,000,000, with separate limits for evacuation, dental care, repatriation, a relative’s visit, and accommodation or meals during a delay. Contact Chubb Travel Assistance before emergency treatment and within 24 hours of hospital admission. Failing to do so may leave you responsible for 20% of eligible expenses, up to $25,000. Pre-existing conditions must have been stable for six months; non-emergency care, pregnancy near delivery, hazardous activities, travel advisories, and alcohol or drug impairment are among the exclusions.

  • Flight Delay Insurance

The full airline ticket must be paid with the card or linked travel rewards. After check-in, if a missed connection, flight delay, or denied boarding lasts four hours and the airline has not provided alternative transportation, reasonable hotel, meals, refreshments, necessary purchases, and incidentals can be reimbursed at up to $250 per day for a maximum of 48 hours, and up to $500 per occurrence. Insufficient connection time and purchases made after the airline provides alternative transportation are excluded. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Hotel and Motel Burglary Insurance

The full hotel or motel room cost must be paid with the card, and coverage begins at check-in. A registered guest can claim up to $1,000 when personal items are stolen from the room and there is visible evidence of forcible entry; reimbursement is based on the lower of actual value, replacement value, or repair cost. Cash, tickets, perishables, mysterious disappearance, and losses where belongings were not reasonably protected are excluded. You must report the claim within 48 hours, provide written notice within 30 days, and submit documents within six months.

  • Trip Cancellation Insurance

The full trip must be paid with the card or linked travel rewards. If you cancel for a qualifying reason listed in the certificate—such as a sudden illness or death, jury duty, a disaster at your residence, government service, or a Canadian government travel advisory—you can claim up to $1,000 per person, subject to a $5,000 aggregate limit per trip. Pre-existing conditions that were not stable for six months, foreseeable circumstances, pandemics, pregnancy near delivery, and hazardous activities are among the exclusions. Contact Crawford immediately and notify the insurer within 48 hours of an event that may affect the claim; written notice is due within 30 days and documents within six months.

  • Trip Interruption Insurance

The full trip must be paid with the card or linked travel rewards. If a qualifying illness or death, connection event, weather event, or other certificate-listed cause interrupts the trip, coverage is up to $1,000 per person, subject to a $5,000 aggregate limit per trip. Covered costs may include the most economical one-way economy ticket, unused prepaid travel arrangements, a single supplement, and meals or commercial accommodation caused by a delayed return, up to $150 per day. The same stability period for pre-existing conditions, pandemic, pregnancy, hazardous-activity, notice, and documentation requirements apply as described in the trip-cancellation certificate.

Shopping Insurance

  • Purchase Protection Insurance

The full purchase price must be paid with the card. Most new personal items are automatically covered worldwide for 90 days from purchase against loss, theft, or damage. Coverage is up to $1,000 per occurrence and $10,000 per account across Neo cards, and it is excess coverage after other insurance. Commercial or business use, used items, services, food and alcohol, vehicles, cash, and other listed items are excluded. You must provide notice within 45 days, claim documents within 90 days, and final documents within six months.

  • Extended Warranty Insurance

The full purchase price must be paid with the card. An eligible manufacturer’s warranty of up to five years that is valid in Canada or the United States is automatically extended for the same period, up to one additional year. Coverage is up to $1,000 per occurrence and $10,000 per account across Neo cards. Used goods, services, commercial use, normal wear, misuse, inherent defects, and repairs not covered by the original warranty are excluded. You must provide notice within 45 days, claim documents within 90 days, and final documents within six months.

Other Updates

【June 2026 update】 Thanks to a data point shared by a group member: an existing Neo customer who applied through the blog’s link received not only the extra cashback but also the 5,000 miles from the earlier waitlist.