{"id":492451,"date":"2026-04-21T08:00:00","date_gmt":"2026-04-21T12:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=492451"},"modified":"2026-04-19T08:39:01","modified_gmt":"2026-04-19T12:39:01","slug":"head-to-head-united-mileageplus-neo-world-elite-mastercard-vs-bmo-viporter-world-elite-mastercard","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/head-to-head-united-mileageplus-neo-world-elite-mastercard-vs-bmo-viporter-world-elite-mastercard\/","title":{"rendered":"Head-to-Head: United MileagePlus Neo World Elite Mastercard vs BMO VIPorter World Elite Mastercard"},"content":{"rendered":"\n<p><a href=\"https:\/\/milesopedia.com\/en\/reviews\/products\/neo-financial-case-study\/\" target=\"_blank\" rel=\"noopener\">Neo Financial<\/a> and Bank of Montreal (BMO) both offer Canadian travellers credit card options that are co-branded with an airline loyalty program. Fans of <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/united-mileageplus\/\" target=\"_blank\" rel=\"noopener\">United MileagePlus<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/viporter\/\" target=\"_blank\" rel=\"noopener\">VIPorter<\/a> can use one (or both) of the following credit cards to earn rewards that can be redeemed for free flights:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">BMO VIPorter World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/credit-cards\/united-mileageplus-neo-world-elite-mastercard\/\" target=\"_blank\" rel=\"noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<p>&nbsp;<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438105,492347\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p>The&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> and the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> are both good credit cards for someone looking to earn free flights and who enjoys travel perks.<\/p>\n\n\n\n<p>To see how these two cards stack up, and to help you decide if either one is right for you, we&#8217;ll compare the following categories:<\/p>\n\n\n\n<div class=\"component component__list links\"><ul class=\"wp-block-list is-style-links\">\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n\n\n\n<li><a href=\"#revenu\">Minimum Income<\/a><\/li>\n\n\n\n<li><a href=\"#frais\">Annual Fee<\/a><\/li>\n\n\n\n<li><a href=\"#accumulation\">Earning Rewards<\/a><\/li>\n\n\n\n<li><a href=\"#utilisation\">Redeeming Rewards<\/a><\/li>\n\n\n\n<li><a href=\"#assurances\">Perks and Benefits<\/a><\/li>\n<\/ul><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-welcome-bonus\">Welcome Bonus<\/h2>\n\n\n\n<p>Both the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> and the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> give new cardholders the chance to earn valuable welcome offers.<\/p>\n\n\n\n<p>These offers tend to fluctuate a few times a year, so we&#8217;ll compare the current offers from both cards to make this as fair as possible.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/United-MileagePlus-Neo-World-Elite-Mastercard-1.png\" alt=\"United MileagePlus Neo World Elite Mastercard\" loading=\"lazy\" width=\"749\" height=\"483\">\n\t\t\t<\/figure>\n\n\n\n<p>The current welcome offer for the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> gives you the chance to <strong>earn up to 25,000 MileagePlus miles.<\/strong><\/p>\n\n\n\n<p>The full offer can be earned in 3 portions as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Earn 5,000 MileagePlus miles when you activate the card and make your first purchase<\/li>\n\n\n\n<li>Earn an additional 15,000 MileagePlus miles when you spend at least $3,000 in the first 3 months as a cardholder<\/li>\n\n\n\n<li>Earn a renewal bonus of 5,000 MileagePlus miles each year when your account remains open and active<\/li>\n<\/ul><\/div>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard-1.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" loading=\"lazy\" width=\"450\" height=\"295\">\n\t\t\t<\/figure>\n\n\n\n<p>The&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> offers a strong welcome offer for new cardholders, letting you <strong>earn up to 70,000 VIPorter points<\/strong> and some additional perks.<\/p>\n\n\n\n<p>The full 70,000-point welcome offer can be earned in three chunks as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Earn 20,000 VIPorter points after you spend at least $5,000 in the first 110 days as a cardholder<\/li>\n\n\n\n<li>Earn another 20,000 VIPorter points after you spend at least $9,000 in the first 180 days as a cardholder<\/li>\n\n\n\n<li>Earn the final 30,000 VIPorter points after you spend at least $18,000 in the first 365 days as a cardholder<\/li>\n<\/ul><\/div>\n\n\n\n<p>Additionally, if you meet the spend requirement of $9,000 in the first 180 days as a cardholder, you also earn a <a href=\"https:\/\/milesopedia.com\/en\/news\/viporter-companion-pass\/\" target=\"_blank\" rel=\"noopener\">VIPorter companion pass<\/a>. This pass gives you 100% off the base fare for a travel companion.<\/p>\n\n\n\n<p>As a new cardholder, you also get $1,000 in Qualifying Spend to help you earn <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/complete-guide-viporter-elite-status\/\" target=\"_blank\" rel=\"noopener\">VIPorter Avid Traveller elite status<\/a> faster.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438148,441747,440387\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-united-mileageplus-neo-world-elite-mastercard\">Advantage: United MileagePlus Neo World Elite Mastercard<\/h5>\n\n\n\n<p>This category proved quite difficult to judge.<\/p>\n\n\n\n<p>While the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> offers more points and ultimately a higher value welcome offer, we found the spending requirements fairly high, making it difficult for people to earn the full amount.<\/p>\n\n\n\n<p>Comparatively, the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> has a lower spending requirement that makes it much easier to earn the full welcome offer. Plus, the annual fee for this card is fairly reasonable, meaning that the yearly renewal bonus comes close to offsetting this cost.<\/p>\n\n\n\n<p>Given these details and barriers, we ultimately decided that the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> wins this category since its welcome offer is more accessible. That said, if you know that you can meet the spending requirements for the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard,<\/a> then there&#8217;s more overall value available there.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-minimum-income\">Minimum Income<\/h2>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/United-MileagePlus-Neo-World-Elite-Mastercard-1.png\" alt=\"United MileagePlus Neo World Elite Mastercard\" loading=\"lazy\" width=\"749\" height=\"483\">\n\t\t\t<\/figure>\n\n\n\n<p>The&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> requires an individual minimum income of $80,000 or a household minimum income of $150,000.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard-1.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" loading=\"lazy\" width=\"450\" height=\"295\">\n\t\t\t<\/figure>\n\n\n\n<p>The minimum income requirement for the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> is&nbsp;$80,000 individual or $150,000 household income.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-draw\">Draw<\/h5>\n\n\n\n<p>This category is a tie since both cards have the standard World Elite Mastercard minimum income requirement.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-annual-fee\">Annual Fee<\/h2>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/United-MileagePlus-Neo-World-Elite-Mastercard-1.png\" alt=\"United MileagePlus Neo World Elite Mastercard\" loading=\"lazy\" width=\"749\" height=\"483\">\n\t\t\t<\/figure>\n\n\n\n<p>The&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> has an annual fee of $89, which is notably lower than most World Elite Mastercards.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard-1.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" loading=\"lazy\" width=\"450\" height=\"295\">\n\t\t\t<\/figure>\n\n\n\n<p>The annual fee for the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> is $199; however, it&#8217;s currently being waived for the first year as part of the welcome offer.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-draw-0\">Draw<\/h5>\n\n\n\n<p>We&#8217;re calling this category a draw since the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> offers the better first-year annual fee, given that it&#8217;s waived for new cardholders, but the <a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> offers the lower overall annual fee.<\/p>\n\n\n\n<p>This means that if you&#8217;re only keeping the card for one year, the VIPorter card wins, but if you&#8217;re planning to keep the card year after year, the United MileagePlus card is the better value.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-earning-rewards\">Earning Rewards<\/h2>\n\n\n\n<p>The&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> and the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> both earn their respective program&#8217;s airline rewards currency for every dollar you spend.<\/p>\n\n\n\n<p>Let&#8217;s dig into each card&#8217;s earning rates to see if one helps you increase your account balance faster.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-earning-rates\">Earning Rates<\/h3>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/United-MileagePlus-Neo-World-Elite-Mastercard-1.png\" alt=\"United MileagePlus Neo World Elite Mastercard\" loading=\"lazy\" width=\"749\" height=\"483\">\n\t\t\t<\/figure>\n\n\n\n<p>The&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> has the following base earning rates:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Earn 1.25 MileagePlus miles<\/strong> per $1 spent on United and Star Alliance flights<\/li>\n\n\n\n<li><strong>Earn 1 MileagePlus mile<\/strong> per $1 spent on dining and groceries<\/li>\n\n\n\n<li><strong>Earn 0.75 MileagePlus miles<\/strong> per $1 spent on everything else<\/li>\n<\/ul><\/div>\n\n\n\n<p>Additionally, as part of the Neo Financial family, the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> also <strong>earns bonus miles on top of the base rates<\/strong> with Neo&#8217;s network of partnered merchants.<\/p>\n\n\n\n<p>As a cardholder, you&#8217;ll find the current partner merchant offers in your Neo app, with the offers varying over time and depending on the merchant.<\/p>\n\n\n\n<p>We value MileagePlus miles at 1.6 cents each, and the miles you earn through credit card spend are totalled once each month and added to your MileagePlus account.<\/p>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard-1.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" loading=\"lazy\" width=\"450\" height=\"295\">\n\t\t\t<\/figure>\n\n\n\n<p>With the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a>, you earn VIPorter points at the following rates:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><strong>Earn 3 VIPorter points <\/strong>per $1 spent with Porter Airlines<\/li>\n\n\n\n<li><strong>Earn 2 VIPorter points<\/strong> per $1 spent on groceries, dining, gas, transport, and hotel stays<\/li>\n\n\n\n<li><strong>Earn 1 VIPorter point<\/strong> per $1 spent on everything else<\/li>\n<\/ul><\/div>\n\n\n\n<p>The points that you earn are credited to your VIPorter account each month shortly after your monthly statement is issued, and we value VIPorter points at 1.5 cents each.<\/p>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-viporter-world-elite-mastercard\">Advantage: BMO VIPorter World Elite Mastercard<\/h5>\n\n\n\n<p>The winner of this category is the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard,<\/a> given that it offers better earning rates in all categories.<\/p>\n\n\n\n<p>Since we value VIPorter points at 1.5 cents each and MileagePlus miles at 1.6 cents each, we&#8217;re able to do a fairly straightforward comparison, with the VIPorter card providing earning rates that are at least double for dining, grocery, and airline tickets.<br>\n<br>\nThere is also the wildcard potential of the bonus earning rates available with Neo partner merchants to consider; however, without knowing exactly what&#8217;s on offer, we didn&#8217;t find this compelling enough to change our decision on this category.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-redeeming-rewards\">Redeeming Rewards<\/h2>\n\n\n\n<p>Both of the cards in our comparison earn their respective program&#8217;s airline rewards currency; namely, <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/viporter\/\" target=\"_blank\" rel=\"noopener\">VIPorter points<\/a> and <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/united-mileageplus\/\" target=\"_blank\" rel=\"noopener\">United MileagePlus miles.<\/a><\/p>\n\n\n\n<p>Given that they both earn airline points\/miles, the rewards programs&#8217; main redemption options are similar. That said, there are some differences between what the two programs offers, so let&#8217;s take a closer look.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-redeeming-rewards-0\">Redeeming Rewards<\/h3>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/United-MileagePlus-Neo-World-Elite-Mastercard-1.png\" alt=\"United MileagePlus Neo World Elite Mastercard\" loading=\"lazy\" width=\"749\" height=\"483\">\n\t\t\t<\/figure>\n\n\n\n<p>The main redemption option for MileagePlus miles is to <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/how-to-book-award-flights-with-united-miles\/\" target=\"_blank\" rel=\"noopener\">use them for award flights with United Airlines<\/a>, its Star Alliance partner airlines, and its non-alliance airline partners. Similar to VIPorter redemptions, you can use miles to cover the full base fare, or you can combine miles and cash for redemptions with United, United Express, and select partner airlines.<\/p>\n\n\n\n<p>Additionally, your miles can be redeemed for other travel expenses, like the following:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>flight upgrades<\/li>\n\n\n\n<li>seat and bag fees<\/li>\n\n\n\n<li>hotel stays, car rentals, and cruises through MileagePlus partners<\/li>\n\n\n\n<li>TSA PreCheck application and renewal fees<\/li>\n\n\n\n<li>United Club membership<\/li>\n\n\n\n<li>Airport and in-flight dining<\/li>\n\n\n\n<li>In-flight Wi-Fi<\/li>\n\n\n\n<li>Gift cards and merchandise<\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"490773\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard-1.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" loading=\"lazy\" width=\"450\" height=\"295\">\n\t\t\t<\/figure>\n\n\n\n<p>Once you&#8217;ve accumulated some VIPorter points, you can redeem them for award flights with Porter, <a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/new-exchange-points-viporter-air-transat-alaska-airlines\/\" target=\"_blank\" rel=\"noopener\">Air Transat, and Alaska Airlines.<\/a><\/p>\n\n\n\n<p>With your VIPorter points, you can cover the full base fare (you&#8217;ll need to pay the taxes and fees with cash), or you can choose to pay with a combination of cash and points.<\/p>\n\n\n\n<p>&nbsp;<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"437600\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-united-mileageplus-neo-world-elite-mastercard-0\">Advantage: United MileagePlus Neo World Elite Mastercard<\/h5>\n\n\n\n<p>In terms of redemption options, the <a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> and its MileagePlus miles provides more flexibility for how you use your rewards, and it also connects you with considerably more partnered airlines.<\/p>\n\n\n\n<p>Using your MileagePlus miles, you can redeem across <a href=\"https:\/\/milesopedia.com\/en\/guide\/destination\/united-mileageplus-destinations\/\" target=\"_blank\" rel=\"noopener\">United Airlines&#8217; large network of destinations<\/a>, and you can <a href=\"https:\/\/milesopedia.com\/en\/guides\/destination\/air-canada-destinations-aeroplan\/\" target=\"_blank\" rel=\"noopener\">enjoy the expansive selection of routes<\/a> available through <a href=\"https:\/\/milesopedia.com\/en\/guide\/star-alliance-network-airlines\/\" target=\"_blank\" rel=\"noopener\">Star Alliance partners<\/a> (like <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/aeroplan\/\" target=\"_blank\" rel=\"noopener\">Air Canada\/Aeroplan<\/a>). Comparatively, VIPorter points can only be redeemed with 3 airlines (Porter, Air Transat, and Alaska Airlines).<\/p>\n\n\n\n<p>Additionally, MileagePlus miles can be redeemed for other travel expenses (as listed above)\u2014though these are typically not the most valuable options.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='m'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--m container_count--3'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"487250,469587,194073\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article><article class=\"post-preview\">\n\n<div class=\"post-preview-thumbnail\">\n\t<div class=\"shimmer shimmer-image\"><\/div>\n<\/div>\n\n<div class=\"post-preview-content\" style=\"top: 1em;\">\n\t<div class=\"simmer-bar-group\">\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t<\/div>\n<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-perks-and-benefits\">Perks and Benefits<\/h2>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2026\/04\/United-MileagePlus-Neo-World-Elite-Mastercard-1.png\" alt=\"United MileagePlus Neo World Elite Mastercard\" loading=\"lazy\" width=\"749\" height=\"483\">\n\t\t\t<\/figure>\n\n\n\n<p>In addition to earning MileagePlus miles on all purchases, the <a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> comes with the following benefits:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/united-airlines-baggage-dimensions\/\" target=\"_blank\" rel=\"noopener\">Free first checked bag<\/a> on United and United Express flights<\/li>\n\n\n\n<li>Priority boarding (Group 2)<\/li>\n\n\n\n<li>$120 USD <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/nexus-global-entry-fast-track-frontiers\/\" target=\"_blank\" rel=\"noopener\">Nexus<\/a> application fee reimbursement (once every 5 years)<\/li>\n\n\n\n<li>Complimentary Mastercard Travel Pass powered by DragonPass membership, giving you <a href=\"https:\/\/milesopedia.com\/en\/guides\/strategies\/free-airport-lounge-access\/\" target=\"_blank\" rel=\"noopener\">access to airport lounges<\/a> (though the per-visit fee still needs to be paid)<\/li>\n\n\n\n<li>Ability to redeem miles across Star Alliance and partner networks<\/li>\n<\/ul><\/div>\n\n\n\n<p>Additionally, in terms of insurance coverage, the <a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a>&nbsp;comes with the following:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Emergency medical insurance<\/li>\n\n\n\n<li>Comprehensive travel insurance<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/extended-warranty-credit-cards\/\" target=\"_blank\" rel=\"noopener\">Extended warranty<\/a> and purchase protection<\/li>\n\n\n\n<li>Car rental loss\/damage coverage<\/li>\n<\/ul><\/div>\n\n\n\n<p>As a cardholder, you can also enjoy the suite of World Elite Mastercard perks.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"492048,173755,49443,132067\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<figure class=\"component component__image has-text-align-center wp-block-milesgutenberg-image\">\n\t\t\t\t<img decoding=\"async\" class=\"miles_img img-large\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard-1.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" loading=\"lazy\" width=\"450\" height=\"295\">\n\t\t\t<\/figure>\n\n\n\n<p>The&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> also comes with several travel perks, as follows:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>Round-trip companion pass (if you meet annual minimum spend requirement)<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/free-baggage-porter\/\" target=\"_blank\" rel=\"noopener\">1 complimentary checked bag and 1 complimentary carry-on<\/a> on all fare types*<\/li>\n\n\n\n<li>Free PorterClassic seat selection*<\/li>\n\n\n\n<li>Dedicated check-in, early boarding, and priority re-accommodation for flight delays*<\/li>\n\n\n\n<li>Primary cardholder and authorized users are automatically made <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/complete-guide-viporter-elite-status\/\" target=\"_blank\" rel=\"noopener\">Avid Travellers<\/a><\/li>\n\n\n\n<li>Earn $1 of Qualifying Spend for every $25 spent on the card<\/li>\n\n\n\n<li>Your VIPorter points won&#8217;t expire while the card is active<\/li>\n<\/ul><\/div>\n\n\n\n<p>*These benefits are valid for the cardholder and up to&nbsp; 8 companions on the same booking.<\/p>\n\n\n\n<p>Additionally, as a cardholder, you&#8217;ll enjoy the following <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/travel-insurance-credit-cards\/\" target=\"_blank\" rel=\"noopener\">travel insurance coverage<\/a>:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li>21-day out-of-province\/country emergency medical insurance<\/li>\n\n\n\n<li>Trip cancellation\/interruption\/delay insurance<\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/theft-damage-car-rental-credit-cards\/\" target=\"_blank\" rel=\"noopener\"><span role=\"text\">Car rental collision\/loss damage insurance&nbsp;<\/span><\/a><\/li>\n\n\n\n<li>Common carrier insurance<\/li>\n\n\n\n<li>Flight delay insurance<\/li>\n\n\n\n<li>Baggage insurance<\/li>\n\n\n\n<li>Hotel burglary insurance<\/li>\n<\/ul><\/div>\n\n\n\n<p>Plus, rounding out the card&#8217;s offerings, you can also enjoy a complimentary membership to Mastercard Travel Pass provided by <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">DragonPass<\/a>, extended warranty and purchase protection, discounts on car rentals, and more.<\/p>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"443351,204105,192394,116748\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<h5 class=\"wp-block-heading\" id=\"h-advantage-bmo-viporter-world-elite-mastercard-0\">Advantage: BMO VIPorter World Elite Mastercard<\/h5>\n\n\n\n<p>We&#8217;re crowning the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> the winner of this category since it offers a few more perks than the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a>.<\/p>\n\n\n\n<p>Additionally, the VIPorter card also extends several valuable perks to travel companions, making it easier to enjoy free checked bags, seat selection, and priority airport access as a group travelling together.<\/p>\n\n\n\n<p>Finally, enjoy 6 months of complimentary Instacart+ membership plus a $10 monthly Instacart credit when you sign up with your eligible BMO credit card.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-bottom-line\">Bottom Line<\/h2>\n\n\n\n<p>So, after comparing these two airline-loyalty World Elite Mastercards, which one takes the top prize?<\/p>\n\n\n\n<p>Considering that both cards offer the chance to earn valuable travel points on all purchases (alongside potentially valuable welcome offers), the best card may ultimately depend on which airline you fly with more.<\/p>\n\n\n\n<p>On the one hand, the&nbsp;<a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" target=\"_blank\" rel=\"noindex noopener\">BMO VIPorter World Elite Mastercard<\/a> has better perks and earning rates, a first-year fee waiver, and it technically offers the higher welcome offer (though the individual portions of this lucrative offer come with fairly high spending thresholds).<\/p>\n\n\n\n<p>On the other hand, the&nbsp;<a title=\"United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/neo-united\/\" target=\"_blank\" rel=\"noindex noopener\">United<sup>&reg;<\/sup> MileagePlus<sup>&reg;<\/sup> Neo World Elite<sup>&reg;<\/sup> Mastercard<\/a> makes it considerably easier to earn the welcome offer, so you&#8217;ll be able to redeem for an award flight sooner. It also has an accessible annual fee at only $89. Plus it&#8217;s connection with Star Alliance and other partner airline networks is very attractive and makes it easy for Canadians to redeem for flights around the world.<\/p>\n\n\n\n<p>Given these variables, we think that the best card is the one that earns you the miles\/points that you&#8217;ll enjoy using the most\u2014whether that&#8217;s MileagePlus miles or VIPorter points.<\/p>\n\n\n\n<p>If you&#8217;d like some more help deciding on a new card, check out our other guides and head-to-heads to learn more and find inspiration for your next adventure:<\/p>\n\n\n\n<div class=\"component component__list checkmarks\"><ul class=\"wp-block-list is-style-checkmarks\">\n<li><a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparatif-carte-mastercard-bmo-viporter-world-elite-vs-carte-westjet-world-elite-mastercard-rbc\/\" target=\"_blank\" rel=\"noopener\">Head-to-Head: BMO VIPorter World Elite Mastercard vs. WestJet RBC World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparison-td-aeroplan-visa-infinite-vs-mastercard-bmo-viporter-world-elite\/\" target=\"_blank\" rel=\"noopener\">Head-to-Head: TD Aeroplan Visa Infinite Card vs BMO VIPorter World Elite Mastercard<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/destinations-with-united-miles\/\">Get Inspired: 9 Destinations for 55,000 United Miles or Fewer<\/a><\/li>\n\n\n\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/destination-ideas-viporter-points\/\" target=\"_blank\" rel=\"noopener\">15 Destination Ideas for Travelling with 50,000 VIPorter Points<\/a><\/li>\n<\/ul><\/div>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='10'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438105,492347\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n<aside class=\"component component__deferred_contents wp-block-milesgutenberg-deferred-contents\">\n\t\t\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--4'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"442499,446573,442437,489238\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/aside>\n\n\n\n<p><\/p>","protected":false},"excerpt":{"rendered":"<p>Explore our in-depth comparison of the United MileagePlus Neo World Elite Mastercard and the BMO VIPorter World Elite Mastercard to see which comes out on top.<\/p>","protected":false},"author":2499,"featured_media":492497,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"328115,66835,320167,210596,487925,148510","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[49238,49123],"class_list":["post-492451","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_loyalty_program-united-mileageplus","mc_loyalty_program-viporter-en"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":"","mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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