United MileagePlus Neo World Elite Mastercard
United MileagePlus1.3¢ – 1.8¢
$89 annual fee
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Co-branded United Airlines card earning MileagePlus miles. 1.25x on United and Star Alliance flights, 0.75x on most other travel and everyday spend. Includes free first checked bag on United, NEXUS credit, priority boarding, and DragonPass lounge membership (passes purchased separately). Useful only for regular United flyers.
Earn Rates
All purchases0.75x
💡 1.25x MileagePlus miles on United Airlines and Star Alliance flight purchases only. All other travel (hotels, car rentals, OTAs, non-Star airlines) earns 0.75x. Variable bonus miles at 10,000+ Neo Rewards partners. 5,000-mile renewal bonus each year the account stays open with at least one eligible charge in the prior 365 days.
Annual Benefits
Free first checked bag on United flights (~$70/yr), NEXUS fee credit up to USD $120 every 5 years (~$32/yr), priority boarding Group 2 on United, DragonPass lounge membership (no free visits), World Elite Mastercard travel insurance
Value: $100 first year
Welcome Bonus
Smart Bonus Strategy — Earn 22,250 points
Spend $3,000 within 3 months
First purchase bonus
one purchase required5,000 pts × 1.3¢+$65Minimum spend bonus
Spend $3,000 in 3 months
optimal stop15,000 pts × 1.3¢+$195Min. spend earnings2,250 pts × 1.3¢+$29
Annual benefitsFree first checked bag on United flights (~$70/yr), NEXUS fee credit up to USD $120 every 5 years (~$32/yr), priority boarding Group 2 on United, DragonPass lounge membership (no free visits), World Elite Mastercard travel insurance+$109
Annual fee-$89
Net first-year value+$309
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