Neo FinancialUnited MileagePlus Neo Worl…
5261 9163 6247 3477
VALID THRU 11/29RILEY CHEN
Airline Cards · Canada
United MileagePlus Neo World Elite Mastercard
Best for: Canadians who fly United or Star Alliance
Annual feeC$89/yr
IssuerNeo Financial
NetworkMastercard
Purchase APRSee issuer
Foreign transaction fee2.5%
Credit needed$80,000 personal or $150,000…
Pros
- Rare Canadian card earning United miles
- Newcomer-friendly
- Low fee for perks
Cons
- 2.5% FX fee
- Low earn rates
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (April 15, 2026). A new United co-brand card for Canada, available since April 15, 2026.
United MileagePlus Neo World Elite Mastercard at a glance
| Issuer | Neo Financial |
| Card network | Mastercard |
| Annual fee | C$89 |
| Rewards rate | 1.25 miles/$ United and Star Alliance flights; 1 mile/$ dining and groceries; 0.75 mile/$ other; bonus at Neo partners |
| Welcome bonus | Up to 25,000 MileagePlus miles |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | 2.5% |
| Credit needed | $80,000 personal or $150,000 household income; accessible to newcomers without Canadian credit history |
| Best for | Canadians who fly United or Star Alliance |
Key features
- Free checked bag on United
- Group 2 priority boarding
- DragonPass access to 1,400+ lounges
- 10% off United award flights (15% with Premier)
- Up to US$120 NEXUS credit every 5 years
Pros
- Rare Canadian card earning United miles
- Newcomer-friendly
- Low fee for perks
Cons
- 2.5% FX fee
- Low earn rates
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the issuer's official site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: milesopedia.com
How it compares with similar Canada cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
Neo FinancialUnited MileagePlus Neo Worl… 5261 9163 6247 3477 VALID THRU 11/29RILEY CHEN United MileagePlus Neo World Elite MastercardCanadians who fly United or Star Alliance |
C$89/yr | 1.25 miles/$ United and Star Alliance flights; 1 mile/$ dining and gro… | None | 2.5% | $80,000 personal or $150,000 h… | — |
BMOVIPorter Mastercard 5120 6214 3463 0390 VALID THRU 07/28RILEY CHEN BMO VIPorter MastercardOccasional Porter flyers |
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BMOVIPorter World Elite Master… 5525 8938 0147 0129 VALID THRU 10/32ALEX MORGAN BMO VIPorter World Elite MastercardPorter Airlines flyers in Eastern Canada |
C$199/yr | 3x Porter (up to $20,000/yr); 2x travel, groceries, dining, hotels (ca… | None | See issuer | See issuer | — |
RBCWestJet World Elite Masterc… 5549 0513 5556 1627 VALID THRU 04/32CASEY BROOKS WestJet RBC World Elite MastercardWestJet flyers based in Western Canada |
C$139/yr | 2 WestJet points/$ on WestJet flights and vacations, Sunwing, grocerie… | None | See issuer | See issuer | — |
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