United MileagePlus Neo World Elite Mastercard
Canadians who fly United or Star Alliance regularly and want checked-bag and boarding perks at a modest fee.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
A compelling, low-fee airline co-brand for United flyers: the bag, boarding, and award-discount perks easily justify $89 if you fly United a few times a year.
Reward rates
United Airlines & Star Alliance flights | 1.25x |
Dining | 1x |
Groceries | 1x |
Everything else Bonus MileagePlus miles at 10,000+ Neo partners | 0.75x |
VaultNerd values these points at ~1.5¢ each.
Welcome bonus
Up to 25,000 MileagePlus miles: 5,000 on first purchase, 15,000 after minimum spend, plus a 5,000-mile annual renewal bonus
Requirement: Spend $3,000 in the first 3 months for the 15,000-mile portion
Pros
- First premium United co-brand card in Canada at a low $89 fee
- Real airline perks: free checked bag, priority boarding, award discounts
- Welcome bonus comfortably exceeds the annual fee
Cons
- 0.75x base earn rate is below average
- Insurance coverage not available in Quebec
Perks
- Free first checked bag on United-operated flights for you and companions on the same reservation
- Group 2 priority boarding on United-operated flights
- NEXUS application fee credit of up to USD $120 every five years
- At least 10% off United award flights (15% with Premier Status) plus exclusive cardholder Saver Award availability
- Mastercard Travel Pass (DragonPass) lounge access membership (per-visit fee applies)
- Secured version available with the same earn rates and travel perks
Insurance
- Out-of-province emergency medical
- Trip protection
- Delayed and lost baggage
- Rental car coverage
- Mastercard Zero Liability
Frequently asked questions
Is the United MileagePlus Neo World Elite Mastercard worth it?
It charges a $89 annual fee, and we rate it 4.0 out of 5. It's best suited to canadians who fly United or Star Alliance regularly and want checked-bag and boarding perks at a modest fee. The welcome bonus is worth roughly $375, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the United MileagePlus Neo World Elite Mastercard earn?
It earns 1.25x on united airlines & star alliance flights, 1x on dining and 1x on groceries. We value these points at about 1.5¢ each, so the top rate works out to roughly 1.9% back.
What credit score do you need for the United MileagePlus Neo World Elite Mastercard?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $80,000 personal or $150,000 household. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“United MileagePlus Neo World Elite Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/united-mileageplus-neo-world-elite-mastercard, updated June 2026.
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