on Bank of Montreal's website
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:
So, to get the full welcome bonus of 40,000 VIPorter points, you’ll need to spend $10,000 in the first year.
With the BMO VIPorter Mastercard, you earn 2 points per dollar at Porter and 1 point per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 0.5 points per dollar on all other purchases, including Costco.
With the BMO VIPorter Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:
Additionally, as a BMO VIPorter Mastercard holder, your VIPorter points do not expire and you automatically receive VIPorter Passport Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.
Finally, you are covered by a wide range of insurance policies:
Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.
Offer ends: 2026-06-30
All Spending
0.5x
Viporter pts per dollar
Groceries
1x
Transit
1x
Restaurants
1x
Gas
1x
Convenience
1x
See how much you could earn with this card based on your spending.
Points Earned
19,800
Viporter/yr
Estimated Value
$198
After Fees
+$109
1st Year Value
$109
incl. welcome bonus
Travel Medical
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Hotel Burglary
Included
Travel Accident
Included
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Included
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†.
Benefits
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
Purchasing insurance
Other Benefits
As a BMO VIPorter Mastercard cardholder, you enjoy exclusive benefits when travelling with Porter Airlines: exclusive check-in, early boarding and priority placement on another flight in case of delays. These benefits apply to you and up to eight companions on the same reservation.
Here are the VIPorter points earning rates:
Yes. With this card, you automatically become a Grand Traveller (VIPorter Passport). Your VIPorter points never expire, and you accumulate $1 in eligible spending for every $25 spent, which contributes to achieving higher statuses in the VIPorter program.
The card has several travel and purchase protections, including:
In addition to Porter-related benefits, you enjoy discounts on car rentals (up to 20% at National/Alamo), discounts on Cirque du Soleil shows (up to 20%), and savings of up to 7% on Booking.com. You could also be eligible for the World version of this card, which offers even more exclusive experiences.
†Terms and conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. Ratesopedia may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 Bank of Montreal. All trademarks are property of their respective owners.
