Neo Financial · Mastercard
United MileagePlus Neo Secured World Elite Mastercard
Travel points, earns United MileagePlus miles
Welcome offer
Verified · Oct 11Up to 25,000 MileagePlus miles
Earn 5,000 miles on your first purchase, plus 15,000 miles when you spend $3,000 within 3 months, plus 5,000 miles every year after that you keep the account open.
- Minimum spend
- $3,000 in 3 months
- Apply by
- Not stated
This is the secured version, which requires a security deposit.
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $89
- Foreign transaction fee
- 2.5%
- Purchase rate
- 19.99%
- Cash advance rate
- 22.99%
- Income requirement
- Personal $80,000 or Household $150,000
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 2026Up to 25,000 MileagePlus milesSpend $3,000 in 3 months · Annual fee $89
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 1× MileagePlus | about 1.7% |
| Dining and delivery | 1× MileagePlus | about 1.7% |
| Other spending | 0.75× MileagePlus | about 1.27% |
High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. Imported on September 6, 2026, not checked line by line.
Benefits
- Travel perks
- $90