Best VIPorter Credit Cards in Canada - September 2026

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TD First Class Travel^® Visa Infinite* Card

TD TD Rewards First-Year Annual Fee Rebate

Annual fee: $0 $139No annual fee the first year; No annual fee the first year
Our valuation: $1,039Milesopedia first-year estimate First-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$800Annual fee rebated$139Annual credit$100Total$1,039Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 160,000 points; + First Year Annual Fee Rebate

With the TD First Class Travel^® Visa Infinite* Card, you can earn up to 160,000 TD Rewards Points^† as well as an Annual Fee rebate for the first year^†:

20,000 TD Rewards Points for the first purchase made with your card^†
140,000 TD Rewards Points when you spend $7,500 within 180 days of account opening^†
A Birthday Bonus of up to 10,000 TD Rewards Points^†

Get an annual TD Travel Credit^† of $100 when you book at Expedia^® For TD, and enjoy your time at the airport with global airport lounge access and 4 complimentary lounge visits with Visa Airport Companion Program (a value of up to $277)^†.

With the TD First Class Travel^® Visa Infinite* Card, you earn:

8 TD Rewards Points^† for every $1 you spend when you book travel through Expedia^® For TD^†
6 TD Rewards Points^† per dollar on your grocery, dining and public transit purchases
4 TD Rewards Points^† per dollar on your recurring bill payments and purchases of streaming services as well as digital games and media
2 TD Rewards Points^† per dollar on all other purchases made with your card

This card also allows you to enjoy a range of travel benefits, including an annual travel credit, complimentary airport lounge visits, and a birthday bonus that boosts your points each year^†.

Legal

^†Terms and conditions apply.

Annual fee

Primary card$139

Additional card$50

Annual income required

Individual$60,000

Household$100,000

Conversion fees

2.5%

Earning rate

6xGroceries
6xRestaurants
6xTransit
4xBills & recurring payments
4xStreaming
2xAll spending

Value

1st Year Value$1,406

2nd Year Value$531

Card benefits

Concierge service24/7

Airport lounge access$160

Travel insurance

Travel medical (under 55)Up to $2,000,000 / 21 days

Travel medical (55-64)Up to $2,000,000 / 21 days

Travel medical (65+)Up to $2,000,000 / 4 days

Trip CancellationUp to $1,500

Trip InterruptionUp to $5,000

Delayed BaggageUp to $1,000

Lost BaggageUp to $1,000

Flight DelayUp to $500

Hotel BurglaryUp to $2,500

Travel AccidentUp to $500,000

Purchase protection

Purchase ProtectionIncluded

Extended Warranty+1 years

Mobile DeviceUp to $1,000

Auto Rental CollisionUp to $65,000 / 48 days

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BMO VIPorter World Elite®* Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual fee: $0 $199No annual fee the first year; No annual fee the first year
Our valuation: $1,249Milesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 70,000 points; + one round-trip companion pass + First Year Annual Fee Rebate; Ends Oct 31, 2026

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.

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Rewards: Rate
Porter flights: 3x
Groceries: 2x
Convenience: 2x
Transit: 2x
Gas & EV: 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

Read full review

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…

Read full review

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BMO VIPorter Mastercard®*

BMO Porter VIPorter First-Year Annual Fee Rebate

Annual fee: $0 $89No annual fee the first year; No annual fee the first year
Our valuation: $689Milesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$89Total$689Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.; Milesopedia first-year estimateFirst-year valueWelcome bonus$600Annual fee rebated$89Total$689Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
Welcome offer: Up to 40,000 points; + First Year Annual Fee Rebate; Ends Oct 31, 2026

Features
Issuer: BMO
Network
Loyalty Program: Porter VIPorter

Fees and terms
Annual Fee: $89/yr
Additional card: $35
Min. annual income: —
Household income: $0+

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 $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher^†. Plus, the annual fee is waived in the first year^†.

Earn 2 points for every $1 spent on Porter purchases
Earn 1 point for every $1 spent on gas and transportation
Earn 1 point for every $1 spent on groceries and dining
Earn 1 point for every $1 spent on hotel accommodations
Earn 0.5 points for every $1 spent everywhere else

Benefits

Automatically become an Avid Traveller (VIPorter Passport)
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

8-day out-of-province or country emergency medical 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 three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
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
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
Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*

Read full review

Rewards: Rate
Porter flights: 2x
Groceries: 1x
Transit: 1x
Restaurants: 1x
Gas & EV: 1x
Convenience: 1x

Travel insurance: Coverage
Travel medical (under 55): $5,000,000 · 8 days
Travel medical (55-64): $5,000,000 · 8 days
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

Read full review

Pros

First Year Annual Fee Rebate
Welcome bonus of up to 40,000 points

Cons

Fewer premium perks

With this offer for the BMO VIPorter Mastercard, you’ll earn up to 40,000 VIPorter points and a 35% off flight voucher. Plus, you pay no annual fee for the first year.

Here’s how to get your full welcome bonus:

10,000 points after $3,000 in purchases within the first 110 days of account opening
15,000 points and a 35% off flight voucher after $6,000 in purchases within the first 180 days of account opening
15,000 points after $10,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 40,000 VIPorter points, you’ll need to spend $10,000 in the first year…

Read full review

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VIPorter is the rewards program of Porter Airlines, ideal for travel within Eastern Canada and to a growing list of US and Caribbean destinations. Co-branded cards from BMO earn VIPorter points directly on every purchase.

FAQ

Frequently Asked Questions

Which credit cards earn VIPorter points?

BMO offers co-branded VIPorter Mastercard products that earn points directly on every purchase, with bonus rates on Porter flights.

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Annual fee

Annual income required

Conversion fees

Earning rate

Value

Card benefits

Travel insurance

Purchase protection

Issuer terms

Pros

Cons

Issuer terms

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Which credit cards earn VIPorter points?

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