BMO VIPorter World EliteĀ®* MastercardĀ®*
$125
BMO VIPorter World Elite
Credit Card Ā· Apply through Finly
Cash back
$125
Finly rebate
Get $125 rebate on an approved BMO VIPorter World EliteĀ®* MastercardĀ®*
Apply through Finly and get approved for the BMO VIPorter World EliteĀ®* MastercardĀ®* to earn our Finly rebate ā sent to your bank via Interac e-Transfer once your application is approved. Terms and conditions apply.**
Plus, you can earn the Cardās welcome bonus from BMO.
Paid via INTERAC e-Transfer
Secure & private
$1.9M paid out to Canadians
Read before you apply
Rebate eligibility & offer terms
These rules determine whether you qualify for the Finly rebate on this offer. Skim them before clicking apply.
* / ** Terms and conditions apply.
You must qualify for and be approved for the BMO VIPorter World EliteĀ®* MastercardĀ®* as a new cardholder, meaning:
-
You meet the minimum yearly income requirements of $80,000 personal, or $150,000 household
-
Your credit score must be "Good" and above to be considered for this product, meaning 680+ Equifax score
The card
Why BMO VIPorter World Elite?
Premium card for frequent Porter airline travelers
How to earn the 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*
Earns rewards on
1x - 3x
- 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.
Fees & rates
Annual fee
Purchase interest
Cash advance interest
Foreign transaction
Additional cards
Min personal income
Min household income
Credit recommended
Built-in perks & coverage
Airport Lounge - Dragon Pass
Free first checked bag
Companion Voucher
Priority Travel
Car Rental Discount
Hotel Booking Discount
Extended Warranty
Purchase Protection
Travel Medical Insurance (64 & under)
Common Carrier Travel Accident Insurance
Trip Cancellation
Trip Interruption
Ready when you are
$125 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your approval and eligibility. No portals, no points ā just real cash.
Stack & save
Bundle this with a complementary offer
Open more than one product through Finly and you earn a separate cash rebate on each. We'll e-Transfer them all to the same Interac email ā no extra steps on your end.
Apply for 1 more offer to stack rebates from a single Finly account.
Browse all
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up, and we'll get back to you within a couple of business days.
Yes. The Finly rebate stacks with whatever sign-up offer or welcome bonus the institution provides. You get both.
Rebates are sent via Interac e-Transfer to the email on your Finly profile. Once your sign-up is verified, payments are typically processed within 10 days.
The financial institution reports the transaction back to us within a few days to a few weeks, depending on their reporting cadence. You can track the status from your Finly account.
Switching devices mid-application, using a VPN, ad blocker, or incognito mode can break our tracking cookies. Complete the application on a single device in one session for a smooth experience.
Usually, if it's a product you don't have yet. With most banks, including Scotiabank, BMO, RBC and TD, you only need to be new to the product, not the bank, so another card or a chequing account with them doesn't stop you. There's no rebate on a product you already hold, and this offer's terms can add conditions.
Try again from this page while signed in, with ad blockers and VPNs off, in one browser. If it still won't go through, contact us before you apply another way, and we'll tell you whether it can still earn the rebate.
Many premium credit cards require a minimum personal or household income. The required income (if any) is shown in the fees & rates panel above. The financial institution makes the final approval decision.
Each card targets a different credit profile. The recommended credit category is shown above. A higher score generally improves your odds of approval.
What Our Members Say
Real reviews from real users. See our full list of reviews on Trustpilot
Legal & disclosures
Disclosures from the issuing institution. Always confirm product terms directly with the issuer before applying.
Product legal content
* ā ā Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and October 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.