Quebec residents: This card is available in Quebec, but travel insurance coverage does not apply to Quebec residents due to provincial regulatory requirements. All other benefits and earn rates apply.
Earn rates
| Spending category | Earn rate |
|---|---|
| United Airlines and Star Alliance partner flights | 1.25 MileagePlus miles / $1 CAD |
| Groceries and dining | 1 MileagePlus mile / $1 CAD |
| Neo partner merchants | Elevated rates (varies by partner) |
| Everything else | 0.75 MileagePlus miles / $1 CAD |
Welcome bonus
Up to 20,000 MileagePlus miles: 5,000 miles on your first purchase, plus 15,000 miles after spending $3,000 in net purchases within the first three months. An additional 5,000 miles are awarded every year at renewal.
Benefits
| Benefit | Details |
|---|---|
| Free first checked bag | One free checked bag on United-operated flights paid with the card, for the primary cardholder. |
| Group 2 priority boarding | Priority boarding on United flights for the primary cardholder and travel companions on the same booking. |
| NEXUS fee reimbursement | Up to $120 USD toward a NEXUS application or renewal fee, once every five years. |
| Annual renewal bonus | 5,000 MileagePlus miles credited at each card anniversary. |
| 10% award discount | 10% discount on United award flight redemptions for cardholders. |
| DragonPass lounge membership | Access to 1,300+ airport lounges worldwide. Lounge visits are pay-per-use (not complimentary). |
| Emergency medical insurance | Up to $1,000,000 CAD per person for the first 14 days of a trip (cardholders under age 60). Not available to Quebec residents. |
| Trip cancellation insurance | Up to $1,000 per person, maximum $5,000 per trip. Not available to Quebec residents. |
| Trip interruption insurance | Up to $1,000 per person, maximum $5,000 per trip, plus up to $150/day for accommodation and meals. Not available to Quebec residents. |
Travel insurance underwritten by Chubb Insurance Company of Canada. Verify current coverage terms with Neo directly.
What your monthly spend earns
| Category | Monthly miles | Annual miles |
|---|---|---|
| Groceries & dining (1x, est. 30% of spend) | ||
| Everything else (0.75x) | ||
| Total MileagePlus miles / year | ||
| + Annual renewal bonus |
Good fit if
- You fly United or connect through a US hub regularly and want to earn toward United rewards
- You want a low-fee travel card with a free checked bag and priority boarding on United flights
- You already hold Aeroplan and want a second Star Alliance program to access different award inventory
Less useful if
- You rarely fly United or Star Alliance carriers and won't benefit from the flight-specific perks
- The 0.75x base earn rate on most spending is too low relative to a flat-rate cash-back or flexible points card
- You are a Quebec resident who needs travel insurance included in your card benefits