United MileagePlus Neo World Elite Mastercard

Published minimum income $80,000

Relevant if: you use the United MileagePlus program and its documented categories.

Less suitable if: you do not recover at least $89 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$220.38

Confirmed offer · not valued in the estimate

Fee: year one to be confirmed, then $89

Offer verified on November 5, 2026

Access application (via Milesopedia) ↗

Secure link via our official partner Milesopedia. You will be guided to Neo Financial’s site to complete your application.

View calculation details

For a spending profile of $36,000 a year

Rewards net of annual fees (balanced scenario): $220.38
+ Offer (first 12 months): Offer confirmed, but not yet valued by Futello — not included
= Estimate for this profile, without the offer: $220.38

Basket breakdown · Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Groceries$11,250
Restaurants$4,500
Gas / charging$4,500
Pre-authorized payments$4,500

A welcome offer is confirmed for this card, but Futello does not yet have a certified value to include it. The estimate is therefore limited to the card’s recurring value minus the first-year fee; the real first-year value will be higher if you meet the offer’s conditions.

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: Up to 20,000 points United MileagePlus
Conditions: 2 tiers, up to $3,000 in spending within 3 months

See the tier-by-tier detail

Milesopedia : 5 000 points.

Milesopedia : 15 000 points après 3 000 $ de dépenses en 3 mois. Spend $3,000 within 3 months
End date: End date not published
Offer quality: Good Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

October 30, 2026 20,000 points $3,000 in spending within 3 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
Restaurants and Groceries	1 point per dollar
Travel	1.25 points per dollar
Other purchases	0.75 points per dollar

Cap not documented for every category.

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Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source