BMO VIPorter Mastercard

BMO VIPorter Mastercard®∗

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BMO VIPorter World Elite Mastercard

BMO VIPorter World Elite Mastercard®∗

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BMO VIPorter Mastercard®∗ vs BMO VIPorter World Elite Mastercard®∗: Which one is better?


BMO VIPorter Mastercard

BMO VIPorter Mastercard®∗

4.1


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

BMO VIPorter World Elite Mastercard

BMO VIPorter World Elite Mastercard®∗

4.5


RECOMMENDED CREDIT SCORE*

300
Poor
560
Fair
660
Good
725
Very Good
760
Excellent

Finly Rebate

Promotional rebate expires on May 31, 2025

Finly Rebate

Promotional rebate expires on May 31, 2025

Rewards Breakdown

Annual Rewards

$242.03

VIPorter


First Year Bonus Value

$600

VIPorter


Annual Fee

$89

$0

First Year Waived


First Year Value

$842.03

$153.03 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Rewards Breakdown

Annual Rewards

$536.96

VIPorter


First Year Bonus Value

$1,050

VIPorter


Annual Fee

$199

$0

First Year Waived


First Year Value

$1,586.96

$337.96 in years after

Based on $2,000/mo average spending. Calculate your rewards.

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
  • hourglass timer

    Baggage Delay

    Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
  • car insurance

    Car Rental Damage & Theft

    Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000
  • heart lock

    Travel Accident

    Up to $500,000 per insured person
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    Up to $1,000 per occurrence for all insured persons combined
  • travel accident medical

    Emergency Out of province Medical

    Up to $5M per insured person, per trip, for 8 days per trip
  • hourglass timer

    Flight Delay

    Up to a maximum of $500 per trip for all insured persons combined

Insurance Included*

  • lost baggage

    Lost or Stolen Baggage

    Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
  • hourglass timer

    Baggage Delay

    Up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined, for the purchase of essential items
  • car insurance

    Car Rental Damage & Theft

    Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000
  • heart lock

    Travel Accident

    Up to $500,000 per insured person
  • extended warranty

    Extended Warranty

    1 year
  • purchase protection

    Purchase Protection

    90 days
  • burglar

    Hotel Burglary Insurance

    Up to $1,000 per occurrence for all insured persons combined
  • travel accident medical

    Emergency Out of province Medical

    Up to $5M per insured person, per trip, for 21 days per trip
  • hourglass timer

    Flight Delay

    Up to a maximum of $500 per trip for all insured persons combined

  • cancel airplane

    Trip Cancellation

    Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined)
  • pause

    Trip Interruption

    $2,000 per insured person

Extra Benefits*

  • car rental

    Car Rental Discount

    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
  • discount

    Hotel Booking Discount

    Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
  • discount

    Discount

    Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las Vegas
  • airport waiting room

    Priority Travel

    Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking

Extra Benefits*

  • car rental

    Car Rental Discount

    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
  • discount

    Hotel Booking Discount

    Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada*
  • discount

    Discount

    Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las Vegas
  • airport waiting room

    Priority Travel

    Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking

  • alcohol cheers

    Airport Lounge - Dragon Pass

    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.*
  • airplane love

    Companion Voucher

    A round-trip companion pass per year
  • luggage

    Free first checked bag

    1 complimentary checked bag as well as 1 complimentary carry-on bag on all Porter fare types up to 8 companions travelling on the same booking
  • entertainment popcorn

    Mastercard On-Demand and Subscription Services

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Interest Rates*

Purchase:

21.99%

Cash Advance:

23.99%

Balance Transfer:

23.99%

Annual Fee*

$89

$0

First Year Waived

Annual Fee*

$199

$0

First Year Waived

Income Required*

Min Personal Income:

N/A

Min Household Income:

N/A

Income Required*

Min Personal Income:

$80,000

Min Household Income:

$150,000

Welcome Bonus*

10,000 bonus VIPorter points after spending $3,000 in eligible purchases within the first 110 days, 15,000 bonus VIPorter points after spending $6,000 in eligible purchases within the first 180 days (plus a 35% flight discount voucher), and 15,000 bonus VIPorter points after spending $10,000 in eligible purchases within the first 365 days. Offer ends July 1, 2025*

Welcome Bonus*

20,000 bonus VIPorter points after spending $5,000 in eligible purchases within the first 110 days*. 20,000 bonus VIPorter points + one round-trip companion pass (max 2 passengers) + $1,000 in Qualifying Spend credited to your VIPorter account to help you reach the next VIPorter Avid Traveller membership after spending $9,000 in eligible purchases within the first 180 days*. 30,000 bonus VIPorter points after spending $18,000 in eligible purchases within the first 365 days*. Offer ends July 1, 2025*.

Rewards Rate*

  • Earn 2 points for every $1 spent on eligible Porter purchases via flyporter.com (up to $10,000 in spending annually)
  • Earn 1 point for every $1 spent on eligible gas and transportation purchases (up to $3,000 in spending annually combined)
  • Earn 1 point for every $1 spent on eligible groceries and dining purchases (up to $5,000 in spending annually combined)
  • Earn 1 point for every $1 spent on eligible hotel accommodation purchases (up to $3,000 in spending annually)
  • Earn 0.5 points for every $1 spent everywhere else
  • Primary cardholders will receive an annual discount of 35% on a Porter flight booking after spending a minimum of $25,000 in eligible purchases. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period (The flight voucher allows up to 3 companions to accompany the primary cardholder at a 35% discount on the flight booking’s base fare).

Rewards Rate*

  • Earn 3 VIPorter points for every $1 spent on eligible Porter purchases via flyporter.com (up to $20,000 in spending annually)
  • Earn 2 VIPorter point for every $1 spent on eligible gas and transportation purchases (up to $5,000 in spending annually combined)
  • Earn 2 VIPorter point for every $1 spent on eligible groceries and dining purchases (up to $10,000 in spending annually combined)
  • Earn 2 VIPorter point for every $1 spent on eligible hotel accommodation purchases (up to $5,000 in spending annually)
  • Earn 1 VIPorter point for every $1 spent everywhere else
  • Primary cardholders will receive an annual companion pass after spending a minimum of $50,000 (less refunds and excluding cash advances, cash-like transactions, interest charges, fees, credit or debit adjustments) within the first 365 days after the account open date. On the anniversary date of your card, the calculation of the purchases will reset to zero and primary cardholders must qualify again for the new annual period.

Loyalty Program*

Loyalty Program*

Point Redemption Options*

  • flight plane

    Porter airline and partner flights

    1.5¢ / point

Point Redemption Options*

  • flight plane

    Porter airline and partner flights

    1.5¢ / point

Is this card worth it?

This is one of the only credit cards in Canada that directly earns you VIPorter points and gives you premium travel benefits like priority security screening, early boarding and priority re-accommodation for flight delays on Porter (and its partners) flights. For frequent Porter travelers, this is a great low-fee card that can fast track your VIPorter status and earn even more travel benefits, although the rewards may be a bit lackluster.

Is this card worth it?

This is easily the best credit card in Canada for frequent Porter airline (and its partners) travelers. Earning 2x VIPorter points on common everyday purchases like groceries, dining and transportation is a massive benefit, allowing you to rack up points really fast and enjoy travel via Porter and it's airline partners. The premium benefits of this card make your travels smooth as you get priority security screening, early boarding and priority re-accommodation for flight delays, one complimentary checked bag, a carry-on bag with every fare type (including Basic), and complimentary PorterClassic seat selection.

Pros

  • No annual fee in the first year!
  • A massive welcome bonus valued at $600+ that also grants you a 35%-off flight discount voucher (valid for up to 3 companions) after meeting the minimum spend requirement
  • Points can be redeemed across Porter's expanding North American network, as well as Porter's growing list of global airline partners, currently featuring flights operated by Air Transat and Alaska Airlines sold on flyporter.com.

Pros

  • No annual fee in the first year!
  • A massive welcome bonus with a value that easily exceeds $1,000, especially with the one companion pass
  • Points can be redeemed across Porter's expanding North American network, as well as Porter's growing list of global airline partners, currently featuring flights operated by Air Transat and Alaska Airlines sold on flyporter.com.
  • 2x points on common everyday purchases such as groceries, dining, gas, transportation, etc. where points are valued at 1.5 cents per point on average

Cons

  • Low spending caps on common categories like groceries and dining
  • Having to spend $25,000 per year just to qualify for 35%-off flight booking discount
  • Points can only be redeemed towards flights currently

Cons

  • Annual fee of $199 is definitely on the higher side for an airline loyalty card
  • Having to spend $50,000 in the first year just to qualify for the annual companion pass
  • Points can only be redeemed towards flights currently
  • Spending caps on common categories like groceries and dining for earning 2x multiplier may be low for large families

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