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Side by Side Credit Cards Comparison
BMO VIPorter Mastercard®∗VSBMO VIPorter World Elite Mastercard®∗
Which one is better?
BMO VIPorter Mastercard®∗
3.8
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
BMO VIPorter World Elite Mastercard®∗
4.5
RECOMMENDED CREDIT SCORE*
300Poor
560Fair
660⁎Good
725⁎Very Good
760⁎Excellent
Welcome Bonus
- 10,000 bonus VIPorter points after spending $3,000 in eligible purchases within the first 110 days*
- 15,000 bonus VIPorter points + 35%-off flight discount voucher (valid for up to 3 companions) after spending $6,000 in eligible purchases within the first 180 days*
- 15,000 bonus VIPorter points after spending $10,000 in eligible purchases within the first 365 days*
- Annual 35%-off flight booking discount when you spend $25,000 within 365 days of account opening*
- Offer ends October 31, 2026*
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*
- Annual companion pass when you spend $50,000 within 365 days of account opening*
- Offer ends October 31, 2026*
Our Cash Offer
$100 Cash Rebate offer from FinlyWealth
Our Cash Offer
$125 Cash Rebate offer from FinlyWealth
Rewards Breakdown
VIPorter
Annual Rewards
$242.43
16,162 pts
VIPorter
First Year Bonus
+
$600
+40,000 pts
VIPorter
Annual Fee
-
$89
$0
First Year Rebated
Finly Rebate
+
$100Exclusive Offer
First Year Value
$942.43
56,162 pts
$153.43 in years after
Based on a hypothetical $2,000/mo average spending.
1.5¢/pt
via Porter airline and partner flights
Rewards Breakdown
VIPorter
Annual Rewards
$537.62
35,841 pts
VIPorter
First Year Bonus
+
$1,050
+70,000 pts
VIPorter
Annual Fee
-
$199
$0
First Year Rebated
Finly Rebate
+
$125Exclusive Offer
First Year Value
$1,712.62
105,841 pts
$338.62 in years after
Based on a hypothetical $2,000/mo average spending.
1.5¢/pt
via Porter airline and partner flights
How to Earn Rewards
- 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).
How to Earn Rewards
- 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.
Insurance Included
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
Baggage Delay
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined.svg)
Car Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000
Common Carrier Travel Accident Insurance
Up to $500,000 per insured person
Extended Warranty
1 year
Purchase Protection
90 days
Hotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combined
Travel Medical Insurance
Up to $5M per insured person, per trip, for 8 days per tripFlight Delay
Up to a maximum of $500 per trip for all insured persons combined
Insurance Included
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combinedBaggage 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 itemsCar Rental Damage & Theft
Rental period up to 48 days, with a Manufacturer’s Suggested Retail Price (MSRP) of up to $65,000Common Carrier Travel Accident Insurance
Up to $500,000 per insured personExtended Warranty
1 yearPurchase Protection
90 daysHotel Burglary Insurance
Up to $1,000 per occurrence for all insured persons combinedTravel Medical Insurance
Up to $5M per insured person, per trip, for 21 days per tripFlight Delay
Up to a maximum of $500 per trip for all insured persons combined
Trip Cancellation
Up to $1,500 per insured person, per trip (maximum of $5,000 per trip for all insured persons combined)
Trip Interruption
$2,000 per insured person
Extra Benefits
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
Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *Discount
Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las VegasDiscount
Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
Extra Benefits
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 toolHotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada*Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
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.*
Companion Voucher
A round-trip companion pass per year.svg)
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
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 Rebated
Annual Fee
$199
$0$
First Year Rebated
Income Required
Min Personal Income:
N/A
Min Household Income:
N/A
Income Required
Min Personal Income:
$80,000
Min Household Income:
$150,000
Point Redemption Options
Porter airline and partner flights
1.5¢ / point
Point Redemption Options
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
- First-year fee rebate
- Generous welcome bonus
- High value Porter redemptions
Pros
- First-year fee rebate
- Generous welcome bonus
- Solid everyday earning opportunities
- Impressive Porter redemptions
- Comprehensive coverage
- Valuable travel perks
Cons
- Low spending caps
- Flight discount spending requirement
- Limited redemption opportunities
Cons
- Higher annual fee
- Companion pass spending requirement
- Limited redemption opportunities
- Spending caps
- High income requirements
Legal
* †† Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and January 31, 2026 (the "Offer Period") to be eligible for this offer. This offer is not available to current or former cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If the Credit Card is cancelled within 365 days from the date it was opened, the welcome bonus earned within that period may be cancelled. This offer may be withdrawn or changed without notice.
*Terms and conditions apply
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.
* †† Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and January 31, 2026 (the "Offer Period") to be eligible for this offer. This offer is not available to current or former cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If the Credit Card is cancelled within 365 days from the date it was opened, the welcome bonus earned within that period may be cancelled. This offer may be withdrawn or changed without notice.
*Terms and conditions apply.
BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information.