The United® MileagePlus® Neo World Elite® Mastercard is issued by Neo Financial™ pursuant to a license by Mastercard International Incorporated. Mastercard, World Elite, and the circles design are registered trademarks of Mastercard International Incorporated. MileagePlus is a registered trademark of United Airlines, Inc. * Conditions apply. Limited one-time offer for new customers who have not opened a United Neo World Elite Mastercard before the date of application approval. Must 1. be the age of majority in your province or territory of residence; 2. be a Canadian resident; 3. have annual personal income of $80,000 CAD or annual household income of $150,000 CAD; and 4. for secured cards only, provide security funds. The up to 25,000 MileagePlus® miles offer is comprised of three components within 3 months from application approved date : (i) 5,000 MileagePlus® miles awarded upon card activation and first transaction; (ii) 15,000 MileagePlus® miles awarded upon completing a minimum spend of $3,000 net of refunds within 3 months from application approved date; and (iii) an annual Renewal Bonus of 5,000 MileagePlus® miles will be awarded each year following the annual fee charge and given your account remains open and in good standing, provided you have made at least one eligible purchase in the preceding 365 days. Miles from components (i) to (iii) are issued 6–8 weeks after meeting the conditions of each component. MileagePlus® miles may be limited and vary by perks, offer, and partner. Offer is subject to the MileagePlus® terms and conditions. MileagePlus® is managed, administered, and serviced by MileagePlus Holdings, LLC. Neo Financial™ and United MileagePlus® reserve the right to amend or withdraw this offer at any time. ¹ The primary cardmember is eligible to receive one (1) standard checked bag free per reservation. To qualify, you must (i) be the primary cardmember at the time of check-in, (ii) include the United MileagePlus® Loyalty Program Account Number in the reservation, and (iii) use the United® MileagePlus® Neo World Elite® Mastercard to purchase the applicable ticket(s). Additional users and travelling companions are not eligible for this benefit. This benefit is only available on flights operated by United or United Express; codeshare flights are not eligible. Unpublished fares, such as those purchased through third-party discount platforms (including but not limited to priceline.com and Hotwire), are not eligible. Checked bags must meet applicable weight and size restrictions and may be subject to additional fees. Offer subject to change or cancellation at any time without notice. Other restrictions may apply. Neo Financial® is not responsible for the provision of, or failure to provide, the stated benefits and services. ² The primary cardmember and companions traveling on the same reservation are eligible for priority boarding; additional cardholders are only eligible if they are on the same reservation as the account owner. To receive priority boarding, the account owner must include their MileagePlus® number in their reservation. Priority boarding is only available on United- and United Express-operated flights; codeshare partner-operated flights are not eligible. MileagePlus® members can board the plane before general boarding, after MileagePlus Premier® members, customers with Premier Access® and travellers requiring special assistance. Neo Financial® is not responsible for the provision of, or failure to provide, the stated benefits and services. ³ You will earn 1.25 MileagePlus® miles for every $1 CAD when you use your United® MileagePlus® Neo World Elite® Mastercard on flight purchases in Canada and worldwide. Applies to tickets issued through the airline’s own booking channels and reported to Neo under the MCC assigned to each individual airline (member of Star Alliance). Aegean and Shenzhen Airlines do not participate in this promotion and will earn miles under the everything else earn rate. Bookings completed via third-party agents (travel agencies) will earn miles under the everything else earn rate.MileagePlus® miles earned during a billing cycle will be automatically transferred to your MileagePlus® membership account after the end of each billing cycle. Offer is subject to the MileagePlus® terms and conditions. Neo Financial® and United® reserve the right to amend or withdraw this offer at any time.To view a full list of Star Alliance member airlines, please visit staralliance.com/en/members. ⁴ You will earn 1 MileagePlus® mile for every $1 CAD when you use your United® MileagePlus® Neo World Elite® Mastercard on eligible grocery and dining purchases in Canada and worldwide. MileagePlus® miles earned during a billing cycle will be automatically transferred to your MileagePlus® membership account after the end of each billing cycle. Offer is subject to the MileagePlus® terms and conditions. Neo Financial® and United® reserve the right to amend or withdraw this offer at any time. To earn MileagePlus® miles in the grocery and dining categories, purchases must be made at merchants classified under the following Mastercard Merchant Category Codes (MCC): ""Grocery Stores and Supermarkets"" (MCC 5411); ""Eating Places and Restaurants"" (MCC 5812); ""Fast Food Restaurants"" (MCC 5814); ""Caterers"" (MCC 5811); or ""Drinking Places (Alcoholic Beverages) – Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques"" (MCC 5813). Merchant classifications and category exclusions are subject to change without notice; please see your transaction details for specific eligibility. Any refunds, rebates, or similar credits will reduce or cancel the MileagePlus® miles earned on the original purchase. ⁵ You will earn 0.75 MileagePlus® miles for every $1 CAD when you use your United® MileagePlus® Neo World Elite® Mastercard on every eligible purchase in Canada and worldwide. MileagePlus® miles earned during a billing cycle will be automatically transferred to your MileagePlus® membership account after the end of each billing cycle. Offer is subject to the MileagePlus® terms and conditions. Neo Financial® and United® reserve the right to amend or withdraw this offer at any time. ⁶ MileagePlus miles may be limited and vary by perks, offer, and partner. Offer is subject to the United terms and conditions. Neo Financial® and United reserve the right to amend or withdraw this offer at any time. ⁷ You will receive a statement credit once every 5 years (up to $120 USD) as a refund for your NEXUS program application fee, provided the application fee is charged to your United® MileagePlus® Neo World Elite® Mastercard, by you or an additional cardholder. This benefit applies only to the NEXUS program, other Trusted Traveler Programs are not eligible. Only purchases made directly with the U.S. Department of Homeland Security, eligible partner listed on ttp.cbp.dhs.gov/(Opens Overlay), or authorized enrollment providers featured on tsa.gov/precheck website are eligible for reimbursement. Purchases made through any third parties, such as travel agencies or application assistance services, are not eligible for reimbursement. The statement credit will be applied to your Neo account within 1–2 billing cycles.You are responsible for payment of all charges until the statement credit posts to the account. . Neo Financial™ has no control or liability regarding these programs including, but not limited to, applications, approval process or enrollment, or fees charged by CBP or TSA or DHS. Learn more about the NEXUS program, including application details and full terms and conditions. ⁸ Eligible primary Cardmembers will be eligible to book award flights on United® or United® Express with discounted award pricing. Cardmember award pricing is valid on award flights on United or United Express only; Cardmember award pricing does not apply to Money + Miles tickets, tickets purchased with cash, or other redemption products. Eligible primary Cardmembers without MileagePlus Premier status will be eligible to book award flights on United or United Express with at least 10% fewer miles than the base price paid by members without an eligible card, and Primary Cardmembers with MileagePlus Premier status will be eligible to book award flights on United or United Express with at least 15% fewer miles than the base price paid by members without an eligible card. To be eligible to receive Cardmember award pricing, the account must be open and not in default at time of fulfillment. To receive Award Pricing, the qualifying award reservation must be booked with the primary Cardmember's MileagePlus account. Cardmember award pricing is valid for the primary Cardmember's MileagePlus account only and is not transferrable. Your card issuer is not responsible for the provision of, or failure to provide, the Cardmember award pricing on United or United Express flights. ⁹ This insurance coverage is underwritten by Chubb Insurance Company of Canada under a Group Policy issued to Neo Financial Technologies Inc. All coverage is subject to the terms, conditions, limitations and exclusions outlined in each Certificate of Insurance, and for Quebec residents, each Product Summary. Travel insurances unavailable for Quebec residents. The cost will be charged to the eligible Neo card that you signed up for the Neo Perks with. Neo, its employees and representatives are not agents of Chubb, nor can they waive or change any terms of the insurance coverage. View the full list of insurance certificates here: https://www.neofinancial.com/legal/plans ¹⁰ Certain terms, conditions and exclusions apply. Contact your issuing financial institution for complete coverage terms and conditions. ¹¹ Get emergency assistance virtually anytime, anywhere and in any language. Mastercard Global Service helps you with reporting a lost or stolen card, obtaining an emergency card replacement or cash advance, finding an ATM location and answering questions on your account. If outside of Canada, you can call collect using 1-636-722-7111. ¹² Conditions apply. Must 1) be the age of majority in your province or territory of residence; 2) be a Canadian resident; 3) provide security funds; 4) be eligible for credit under Neo’s policies. ¹³ Earning miles from United on United flights: New earn rates apply to tickets issued on or after April 2, 2026. Miles earned on United flights purchased directly from United are earned on the fare and are subject to exclusions. The fare is the base fare of the ticket plus carrier-imposed surcharges. Mileage earning differs for Basic Economy tickets and companions traveling on the same reservation. For details see united.com/FlightEarn. Your issuer is not responsible for the provision of, or failure to provide, miles earned from United under the MileagePlus program. Miles will post directly to your United MileagePlus account and will not appear on your account statement. Miles earned from United under the MileagePlus program for United flight purchases will be earned in accordance with the rules of the MileagePlus program. For details see united.com/mprules.