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$100
BMO VIPorter Mastercard®∗
Points Calculator
$50 $100 Cash Rebate From FinlyWealth expiring on
Card Details
Interest Rates
Purchase: 21.99%
Cash Advance: 23.99%□
Balance Transfer: 23.99%□
□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%
Annual Fees
Main Card: $89
$0
First Year Waived
Additional Cards: $35
Annual Income
Personal: N/A
Household: N/A
Credit Score Estimate
300Poor
560Fair
660Good
725Very Good
760Excellent
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 January 31, 2026*
Our Rating
3.8/5
Institution
BMO
How You 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).
Rewards Breakdown
Rewards Summary
Point Redemptions
Redemption Method
Net Value (After Annual Fee)
Insurance & Benefits
Insurance
Coverage
Extended Warranty
1 year
Purchase Protection
90 days
Emergency Medical Term
Up to $5M per insured person, per trip, for 8 days per trip
Travel Accident
Up to $500,000 per insured person
Flight Delay
Up to a maximum of $500 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
Lost or Stolen Baggage
Up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined
Hotel Burglary Insurance
Up to $1,000 per occurrence 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
Benefits
Details
Priority Travel
Priority check-in, security, and early boarding for up to 8 companions travelling on the same booking
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
Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las VegasHotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
Pros & Cons
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.
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
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.
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