BMO VIPorter Mastercard

BMO VIPorter Mastercard®

4.1/5

Get up to 40,000 VIPorter points and a 35% off flight voucher.*

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Card Details & Review




Card Details

Card Details
Info

Card Type

Credit

Reward Type

Points

Our Rating

4.1/5

Institution

BMO

Loyalty Program

Fees & Rates

Annual Fee

$89 (first year waived)

Interest Rates

Purchase: 21.99%

Cash Advance: 23.99%□

Balance Transfer: 23.99%□

□ Quebec rates: Cash advance 21.99%, Balance transfer 21.99%

Eligibility

Credit Score Estimate

Good

Annual Income

Personal: N/A

Household: N/A

Bonuses

Welcome Bonus

Get up to 40,000 VIPorter points and a 35% off flight voucher.*

Description

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*

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)





* †† Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and July 1, 2025 (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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Card Details

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