Pros & cons
Pros
- Up to 1.25 miles per $1 spent.
- Bonus miles with Neo retail partners.
- Up to 20,000 bonus miles.
- 5,000 bonus miles every year.
- Free checked bag on United flights.
- Guaranteed approval as a secured credit card.
Cons
- Non-Canadian rewards program.
- High income requirements of $80,000 personal or $150,000 household.
Your rewards
Getting your welcome bonus
Based on $3,000 in monthly spending, you can get up to 20,000 points which translates to an estimated $400.◊
For all welcome bonus details click here.
How you earn rewards
Each card earns rewards differently. Part of choosing your card is deciding what type of rewards you want to get. With United MileagePlus Secured Neo World Elite Mastercard, here's how you earn rewards:
- 1.25 miles per $1 spent on United and Star Alliance flights
- 1 mile per $1 spent on restaurants and groceries
- 0.75 miles per $1 spent on everything else
For all reward details click here.
How much your rewards are worth
The dollar value of your rewards depends on the specific rewards program ‒ and what you choose to redeem your points for. For United MileagePlus Secured Neo World Elite Mastercard in particular, if you spend $3,000 per month, here's our estimated annual rewards earned depending on which reward you choose:
| Flights | $603 |
Calculating your annual rewards
$36,000 annual spending x 1.68% return on spending = $603 annual rewards
$603 annual rewards − $89.00 annual fee = $514 net annual rewards
Details and eligibility
- Estimated Credit Score
- 300 - 559
- Personal Income
- $80,000
- Household Income
- $150,000
- Annual Fee
- $89.00
- Extra Card Fee
- $49
- Card type
- Credit
- Purchase
- 19.99% - 29.99%
- Cash Advance
- 22.99% - 31.99%
- Balance Transfer
- 22.99% - 31.99%
Insurance coverage
- Extended Warranty
- 1 year
- Purchase Protection
- 90 days
- Emergency Medical Term
- 14 days
- Emergency Medical Maximum Coverage
- $1,000,000
- Trip Cancellation
- $1,000
- Trip Interruption
- $1,000
- Flight Delay
- $500
- Baggage Delay
- $1,000
- Lost or Stolen Baggage
- $1,000
- Hotel Burglary
- $1,000
- Rental Car Theft & Damage
- Yes
- Rental Car Accident
- $100,000
- Rental Car Personal Effects
- $1,000
Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.
Learn more about the value of credit card insurance coverage.
Genius Rating
United MileagePlus Secured Neo World Elite Mastercard's 3.0 Genius Rating is based on the weighted average of the following scores:
Methodology
All scores are produced by our math-based rating algorithm that takes into account over 126 credit card features.
Key benefits
What are your thoughts?
Thank you for your review!
Hang tight while we verify and approve it.
If you want to see your review right away...
Create an account:
