United MileagePlus Neo World Elite Mastercard

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.

Annual fee: $89
Reward type: United MileagePlus
Welcome offer: Confirmed offer · not valued in the estimate
First-year estimate (without the offer): $220.38

Data verified on September 7, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year, without the offer

$220.38

Annual fee thereafter: $89
First-year fee: To be confirmed — recurring fee of $89

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $220.38
Recurring annual fee already deducted: $89
Welcome-offer value earned during the first 12 months: Offer confirmed, but not yet valued by Futello — not included
First-year fee: To be confirmed — recurring fee of $89

Balanced reference scenario

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

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$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 total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Current offer · not enough history to compare
Offer quality: Good Futello rating grid

Welcome bonus: 25,000 points United MileagePlus
Requirements: $89 in spending within 3 months
Last verified: August 23, 2026 · Verified 29 days ago

Historical context

Futello does not yet have enough verified history to compare this offer.

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Email me if this offer changes

Earning

Rewards

Category	Reward	Conditions
Other purchases	0.75 points per dollar	Cap not documented
Restaurants and Groceries	1 point per dollar	Cap not documented
Travel	1.25 points per dollar	Cap not documented

Fees and eligibility

Annual fee thereafter: $89
Additional card: Not documented
Published minimum income: $80,000 personal or $150,000 household
Availability in Quebec: Available

Geographic eligibility never guarantees approval.

Benefits

Complimentary checked bagConfirmed
NEXUS application fee creditConfirmed

Insurance

Delayed and lost baggage insurance Not documented

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source
Out-of-province emergency medical insurance Not documented

Conditions

Included coverage; detailed conditions remain in the official certificate.
View source

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

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

View source