- Annual fee
- $0 $199
- Our valuation
- $1,249
- Welcome offer
- Up to 70,000 points
- Ends Oct 31, 2027
Apply Now
on BMO's website
- Features
- Issuer
- BMO
- Network
- Loyalty Program
- Porter VIPorter
- Fees and terms
- Annual Fee
- $199/yr
- Additional card
- $75
- Min. annual income
- $80,000+
- Household income
- $150,000+
- Interest rates
- Purchases
- 21.99 %
- Cash advance
- 23.99 %
- Balance transfer
- 23.99 %
- Foreign transaction fee
- 2.5 %
Issuer terms
Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*
- Earn 3 points for every $1 spent on Porter purchases*
- Earn 2 points for every $1 spent on gas and transportation
- Earn 2 points for every $1 spent on groceries and dining
- Earn 2 points for every $1 spent on hotel accommodations
- Earn 1 point for every $1 spent everywhere else
Benefits
- Automatically become an Avid Traveller (VIPorter Venture)
- One round-trip companion pass per year†
- 1 complimentary checked bag*
- 1 complimentary carry-on bag on all Porter fare types*
- Free PorterClassic seat selection*
- Priority security*
- Priority re-accommodation for flight delays*
- Dedicated check-in*
- Early boarding*
- No expiration of VIPorter points.
- Earn $1 of qualifying spend for every $25 spent*
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
- 21-day out-of-province or country emergency medical insurance
- Trip Cancellation/Interruption/Delay insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight Delay Insurance
- Baggage insurance
- Hotel burglary insurance
Purchasing insurance
- Shop confidently with an extended warranty and purchase protection
Other Benefits
- Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
- Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
- Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
- Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
- Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.
- Rewards
- Rate
- Porter flights
- 3x
- Groceries
- 2x
- Convenience
- 2x
- Transit
- 2x
- Gas
- 2x
- Restaurants
- 2x
- Benefits
- Airport lounges
- Included
- Travel insurance
- Coverage
- Travel medical (under 55)
- $5,000,000 · 21 days
- Travel medical (55-64)
- $5,000,000 · 21 days
- Trip Cancellation
- $2,000
- Trip Interruption
- ✓
- Delayed Baggage
- ✓
- Lost Baggage
- ✓
- Flight Delay
- ✓
- Hotel Burglary
- ✓
- Travel Accident
- ✓
- Purchase protection
- Coverage
- Purchase Protection
- 90 days
- Extended Warranty
- +1 year
- Auto Rental Collision
- $65,000 · 48 days
Pros
- First Year Annual Fee Rebate
- Welcome bonus of up to 70,000 points
- 2x on groceries
- 2x at restaurants
Cons
- High annual fee ($199)
- Requires good credit
With this offer for the BMO VIPorter World Elite Mastercard, you get up to 70,000 VIPorter points and a round-trip companion pass. Plus, you pay no annual fees for the first year and receive $1,000 in eligible spending towards your VIPorter status.
Here’s how to get your full welcome bonus:
- 20,000 points after $5,000 in purchases within the first 110 days of account opening
- 20,000 points, a round-trip companion pass, and $1,000 in eligible spending towards your VIPorter status after $9,000 in purchases within the first 180 days of account opening
- 30,000 points after $18,000 in purchases within the first 365 days of account opening
So, to get the full welcome bonus of 70,000 VIPorter points, you’ll need to spend $18,000 in the first year…
