Earn Rates
💡 1.25x MileagePlus miles on United Airlines and Star Alliance flight purchases only. All other travel (hotels, car rentals, OTAs, non-Star airlines) earns 0.75x. Variable bonus miles at 10,000+ Neo Rewards partners. 5,000-mile renewal bonus each year the account stays open with at least one eligible charge in the prior 365 days.
Welcome Bonus
Smart Bonus Strategy — Earn 22,250 points
Spend $3,000 within 3 months
First purchase bonus
one purchase required5,000 pts × 1.3¢+$65Minimum spend bonus
Spend $3,000 in 3 months
optimal stop15,000 pts × 1.3¢+$195Min. spend earnings2,250 pts × 1.3¢+$29
Annual benefitsFree first checked bag on United flights (~$70/yr), NEXUS fee credit up to USD $120 every 5 years (~$32/yr), priority boarding Group 2 on United, DragonPass lounge membership (no free visits), World Elite Mastercard travel insurance+$100
Annual fee-$89
Net first-year value+$300
Annual Rewards Calculator
Based on average spending, you could earn
$296
conservative est.·up to $444 optimistic
Annual Benefits
Free first checked bag on United flights (~$70/yr), NEXUS fee credit up to USD $120 every 5 years (~$32/yr), priority boarding Group 2 on United, DragonPass lounge membership (no free visits), World Elite Mastercard travel insurance
Value: $100 first year
Compare to Similar Cards
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Cash Back1.0¢ exact
$39 annual fee
you could earn$438
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