Travel Rewards
Secured Cards
Premium / High-End
United® MileagePlus® Neo World Elite® Mastercard®
Neo Financial
Current Welcome Offer
Earn up to 25,000 MileagePlus miles
Annual Fee
$89
Purchase APR
19.99%
Cash Adv. APR
22.99%
Welcome Bonus
~$375
RateBuddy Verdict
The Good
- Unbeatable perks for United flyers, including a free first checked bag, priority boarding, and a NEXUS credit.
- Extremely low $89 annual fee for a premium travel card with comprehensive medical and trip insurance.
- Unique ability to access a premium World Elite card as a secured card to build credit.
The Trade-offs
- Base earn rates are relatively low (0.75x) compared to other premium airline credit cards.
- Requires an $80,000 personal income or $150,000 household income to qualify.
Rewards & Earnings
Groceries 1.00%
Dining & Takeout 1.00%
Gas & Transit 0.75%
Travel 1.25%
Base Rate 0.75%
Rewards Summary: Earn 1.25x miles on United and Star Alliance flights, 1x on dining and groceries, and 0.75x on everything else.
- United Airlines & Star Alliance: 1.25x miles per $1
- Dining and Grocery: 1x mile per $1
- Everything Else: 0.75x miles per $1
- Neo Partners: Earn extra MileagePlus miles at 10,000+ Neo partners across Canada.
Welcome Bonus Details
Earn 5,000 miles on your first purchase, 15,000 miles after spending $3,000 in your first 3 months, and an annual 5,000-mile renewal bonus every year your account stays open.
Estimated Value: $375.00
Features & Benefits
Travel Medical Insurance
Out-of-province medical included
Free Checked bag
First bag flies free on United-operated flights
Bad Credit & Rebuilding
Available as a secured credit option
Car Rental Collision/Loss Damage Waiver
Rental car coverage included
Trip Cancellation/Interruption Insurance
Trip protection included
NEXUS Application Fee Rebate
Up to USD $120 statement credit every 5 years
Baggage Delay/Loss Insurance
Delayed and lost baggage included
Priority Airport Services (Check-in, Boarding)
Group 2 Priority Boarding on United
Additional Perks
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Insurance Coverage
Out-of-province Medical
Included
Trip Protection
Included (Interruption & Cancellation)
Delayed and Lost Baggage
Included
Rental Car Coverage
Included
Mastercard Zero Liability
Included against unauthorized purchases
Rates & Fees Details
| Purchase APR | 19.99% |
|---|---|
| Cash Advance APR | 22.99% |
| Annual Fee | $89 |
| Income Required |
Personal: $80,000 Household: $150,000 |