Compare credit cards in Canada

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

Welcome Bonus — up to 20,000 MileagePlus miles

• 5,000 miles on card activation and first transaction
• Additional 15,000 miles when you spend $3,000 net of refunds within 3 months of application

Renewal bonus

• 5,000 miles per year when the account remains open and active with eligible spend within 365 days

Mile Earn Rates

• 1.25 miles per $1 on United and Star Alliance flights
• 1 mile per $1 on dining and groceries
• 0.75 miles per $1 everywhere else
• Bonus miles via the Neo merchant partner network of over 10,000 Neo merchant partners

Benefits of the card

• Free First checked bag: Your first checked bag is covered on all your United-operated flights.
• Priority Boarding — Group 2: Be among the first to board with Group 2 priority boarding for you and your family.
• Nexus application fee credit: Up to $120 USD reimbursed every 5 years for a new Nexus application or renewal. Nexus allows for expedited border crossing between Canada and the United States.
• Star Alliance Global Network: Earn and redeem MileagePlus miles on United Airlines and over 25 Star Alliance partner airlines worldwide, including Air Canada and Lufthansa.

World Elite Mastercard Benefits

• Mastercard Zero Liability
• Mastercard Global Service
• Mastercard Travel Pass (DragonPass): Access to over 1,400 airport lounges worldwide through the Mastercard Travel Pass program provided by DragonPass. Membership is included; per-visit fees apply.

Insurance

• Emergency medical insurance
• Comprehensive Travel Insurance
• Extended Warranty and Purchase Protection
• Car Rental Collision and Damage Insurance

Chubb travel insurance is not offered in Quebec.

Maximize your travel: earn more miles on every flight

When you book a United flight, you earn miles as a MileagePlus member—but as a cardholder, you earn even more. You receive the miles awarded by United for your flight, plus the miles you earn by paying with your card.

Your earnings add up, allowing you to build your miles balance significantly faster than non-cardholders each time you travel.

Get more value from your miles

As a United cardholder, your miles are worth more—and give you access to more options.

You automatically receive at least a 10% discount on award flights (and 15% if you hold Premier status), allowing you to use fewer miles for the same trip.

In addition, you gain access to exclusive availability on Saver Award fares, including premium-cabin seats such as Polaris® business class, which are not always available to non-cardholders.

In practical terms, this means:

• You spend fewer miles on your flights
• You gain access to better seats and more options
• You can book travel experiences that are unavailable to other members

Welcome Offer and Renewal

Earn up to 25,000 miles, including a welcome bonus and an annual renewal bonus.

• 5,000 miles on card activation and first transaction
• Additional 15,000 miles when you spend $3,000 net of refunds within 3 months
• 5,000 miles per year (renewal) when the account remains open and active within 365 days

Earn rates: 1.25 miles/$ on United and Star Alliance flights; 1 mile/$ on dining and groceries; 0.75 miles/$ everywhere else; bonus miles via 10,000+ Neo partners.

Secured card: a security deposit is required. Limited to new customers who have not held a United Neo World Elite Mastercard. Annual personal income of $80,000 or household income of $150,000. Chubb travel insurance is not offered in Quebec.

The Cathay World Elite Mastercard – powered by Neo is not available in Quebec.

Welcome Offer

• Earn up to 60,000 Asia Miles as a welcome bonus: 35,000 Asia Miles on approval and 25,000 Asia Miles after $5,000 in purchases in 3 months
• 15% discount on Cathay Pacific flights with promotional code

Features of the Cathay World Elite Mastercard – powered by Neo:

• 2 Asia Miles for every $1 spent on purchases made in foreign currencies
• 4 Asia Miles per dollar on Cathay Pacific purchases
• 5 Asia Miles per dollar on average at thousands of Neo partners across the country
• 1 Asia Mile per dollar on purchases made in Canada
• Enjoy exclusive member benefits: priority check-in, free extra baggage and access to Cathay Pacific lounges
• Benefit from comprehensive insurance covering medical emergencies, cancellations and lost baggage
• Access over 1,300 airport lounges worldwide with DragonPass
• Avoid queues with Mastercard's Fast Track service at security checkpoints

• 5% cash back on groceries (up to $1,000/month, then 1%)
• 4% on recurring payments (up to $500/month, then 1%)
• 3% on gas and electric vehicle charging (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history (same cash back rates)

• 5% cash back on groceries (up to $1,000/month, then 1%)
• 4% on recurring payments (up to $500/month, then 1%)
• 3% on gas and electric vehicle charging (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history (same cash back rates)

• 2% cash back on all purchases (up to $4,000/month, then 1% with no cap)
• No categories to manage
• Mastercard World Elite® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history (same cash back rates)

• 2% cash back on all purchases (up to $4,000/month, then 1% with no cap)
• No categories to manage
• Mastercard World Elite® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history (same cash back rates)

• 2% cash back on groceries (up to $1,000/month, then 0.5%)
• 2% on gas and EV charging (up to $1,000/month, then 0.5%)
• 2% on recurring payments (up to $500/month, then 0.5%)
• 0.5% cash back everywhere else, with no cap
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

• 2% cash back on groceries (up to $1,000/month, then 0.5%)
• 2% on gas and EV charging (up to $1,000/month, then 0.5%)
• 2% on recurring payments (up to $500/month, then 0.5%)
• 0.5% cash back everywhere else, with no cap
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

• 1% cash back on all purchases, with no cap or categories to manage
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

• 1% cash back on all purchases, with no cap or categories to manage
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• No annual fee ($0)
• Secured option to build credit history (same cash back rates)

• 5% cash back on restaurants, bars and fast food (up to $1,000/month, then 1%)
• 3% on shopping: clothing, shoes, electronics, home and garden, and more (up to $1,000/month, then 1%)
• 1% cash back everywhere else, with no cap
• Mastercard World Elite® travel benefits: collision/damage insurance for car rentals, comprehensive travel insurance and DragonPass membership
• Additional cash back at over 10,000 Neo network partners (5% on average, up to 15%)
• Instant credit limit up to $30,000
• Annual fee of $149
• Secured option to build credit history (same cash back rates)