Neo Financial · Mastercard
United MileagePlus Neo 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
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% |
| Gas and EV charging | 0.75× MileagePlus | about 1.27% |
| Recurring bills | 0.75× MileagePlus | about 1.27% |
| Transit | 0.75× MileagePlus | about 1.27% |
| Drugstores | 0.75× MileagePlus | about 1.27% |
| Travel | 0.75× MileagePlus | about 1.27% |
| Entertainment | 0.75× MileagePlus | about 1.27% |
| Phone and internet | 0.75× MileagePlus | about 1.27% |
| Streaming | 0.75× MileagePlus | about 1.27% |
| Online shopping | 0.75× MileagePlus | about 1.27% |
| Convenience stores | 0.75× MileagePlus | about 1.27% |
| Office supplies | 0.75× MileagePlus | about 1.27% |
| 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
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- $1,000,000, 14 day(s)
- Trip cancellation
- Included
- Trip interruption
- Included
- Travel accident
- Included
- Lost baggage
- Included
- Rental car collision
- $65,000, 48 day(s)
- Extended warranty
- 1 year
- Purchase protection
- $1,000, 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.