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BMO VIPorter Mastercard®∗
$100
BMO VIPorter Mastercard®∗
Credit Card · Apply through Finly
Cash back
$100
Finly rebate
$100
Get $100 rebate** on the BMO VIPorter Mastercard®∗
Stacks on top of the card’s welcome bonus
Apply through Finly to collect the card's welcome bonus from the issuer plus our Finly rebate on top — sent to your bank via Interac e-Transfer once your application is approved.
Paid via INTERAC e-Transfer
Secure & private
$952,000+ 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.
- Subject to approval
- For new cardholders only
The card
Why BMO VIPorter Mastercard®∗?
Porter airline travelers
How to earn the 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*
Earns rewards on
0.5x - 2x
Travel
Transit
Dining
Gas
Groceries
- 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).
Fees & rates
Annual fee
$89$0 yr 1
Purchase interest
21.99%
Cash advance interest
23.99%
Foreign transaction
2.5%
Additional cards
$35
Credit recommended
Good
Built-in perks & coverage
Priority Travel
Car Rental Discount
Discount
Hotel Booking Discount
Discount
Extended Warranty
Purchase Protection
Travel Medical Insurance (64 & under)
Common Carrier Travel Accident Insurance
Flight Delay
Baggage Delay
Ready when you are
$100 is yours when you apply through Finly.
We e-Transfer your rebate via Interac after the financial institution confirms your sign-up. No portals, no points — just real cash.
How you get paid
From offer to bank deposit
The financial institution approves your application — we handle the rest. No claims to file, no portals to log into.
01
Sign in to Finly
Create an account or sign in. Add your Interac e-Transfer email so we can pay you out.
02
Click the offer
We track your application via your Finly account — no codes needed. Don't switch devices or use ad-blockers.
03
Apply with the financial institution
Complete the financial institution's application as usual on their site. Get approved on their schedule.
04
Wait for verification
The institution reports your sign-up to us within a few days to a few weeks. We'll email you when it's confirmed.
05
Get paid via Interac
Once verified, we e-Transfer your rebate within 10 days. The cash lands directly in your bank account.
Your timeline at a glance
1
Posting time
30-45 days from application submission
Time before the transaction shows up in your Finly profile.
2
Locking time
30-60 days after approval
Time before the rebate is locked in and ready for payout.
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 — no extra steps on your end.
Apply for 2 more offers to stack rebates from a single Finly account.
Browse all
FAQ
Common questions, answered.
Still unsure? Reach out to support after signing up — 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.
No — Finly rebates apply only to brand-new sign-ups. If the financial institution flags you as an existing customer for that product, the rebate won't apply.
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
* †† 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.