Pros & Cons
Pros
- +Welcome Bonus: 25,000 points
- +Purchase protection included
- +Travel medical insurance included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
Secured credit card: this card requires a security deposit and is designed for people building or rebuilding their credit history, including newcomers to Canada. It offers the exact same MileagePlus mile earn rates and travel benefits as the regular version.
The United® MileagePlus® Neo Secured World Elite® Mastercard is the only credit card in Canada that allows you to earn United MileagePlus miles while enjoying exclusive airline benefits directly on your credit card.
For a limited time, you can earn up to 20,000 MileagePlus miles as a welcome bonus:
- 5,000 MileagePlus miles on card activation and first transaction
- 15,000 additional MileagePlus miles when you spend $3,000 net of refunds within 3 months
And 5,000 miles per year when the account remains open and active with eligible spend within 365 days.
You earn MileagePlus miles on every purchase:
- 1.25 miles per dollar on United and Star Alliance flights
- 1 mile per dollar on dining and groceries
- 0.75 miles per dollar everywhere else
You also earn bonus miles at over 10,000 Neo merchant partners. When travelling with United, you get a first checked bag free and Group 2 priority boarding, at least a 10% discount on award flights (15% with Premier status), exclusive Saver Award availability, paid access to DragonPass lounges, comprehensive travel insurance (not available in Quebec), and up to $120 USD reimbursed every 5 years for Nexus fees.
Rewards
All Spending
0.75x
pts per dollar
Groceries
1x
pts per dollar
Restaurants
1x
pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
25,500
pts/yr
Estimated Value
$255
After Fees
+$166
1st Year Value
$416
incl. welcome bonus
Annual rewards breakdown
Perks & Benefits
Travel Credits
$90
Travel Insurance
Travel Medical
Up to $1,000,000 / 14 days
Trip Cancellation
Included
Trip Interruption
Included
Lost Baggage
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Up to $1,000 / 90 days
Extended Warranty
+1 year(s)
Auto Rental
Up to $65,000 / 48 days
Fees and interest rates
- Annual Fee$89
- Foreign currency conversion fee2.5%
- Purchase Rate19.99%
- Balance transfer rate22.99%
- Cash advance rate22.99%
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
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.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Milesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Neo. All trademarks are property of their respective owners.