BMO VIPorter World Elite Mastercard
Niche cardWhat the roles mean
- People who fly Porter: free checked and carry-on bags for you and up to 8 companions, plus free PorterClassic seat selection
Welcome offer now
Get up to $2,400 in value including 70,000 VIPorter points, a round-trip companion pass, the annual fee waived in the first year, and more
Ends October 31, 2026.
Checked on BMO's own page November 2, 2026. See BMO's page
What it earns in a year
46,600 points a year
Worth about $267 after the $199 fee at the simplest redemption, up to $500 at the best.
Based on $30,000 a year of spending ($9,600 groceries, $3,000 gas, $3,000 dining…). Welcome offer not included.
Try it with your own spending →
- Groceries (First $10,000 a year, shared by groceries and dining, then 1): 2× points.
- Dining & restaurants (First $10,000 a year, shared by groceries and dining, then 1): 2× points.
- Gas / EV (First $5,000 a year, shared by gas and transportation, then 1): 2× points.
- Transit (Mastercard 'gas and transportation' merchants (bus lines, car rentals and more). First $5,000 a year, shared with gas): 2× points.
- Travel (Hotels only (2 pts/$, first $5,000 a year). Porter purchases bought direct earn 3 pts/$ on the first $20,000 a year): 2× points.
- Everything else: 1× points.
Highlighted = use this card here.
Using your points
On the spending above, 46,600 points a year: worth $466 the easy way, $699 the best way.
- Easy way (1¢): Porter reward flights at a low cash fare
- Best way (1.5¢): Porter reward flights. BMO says members averaged 1.5¢ per point on flights
Our estimate: no published chart to work from yet
How to apply for the BMO VIPorter World Elite Mastercard
Check first
- Bonus for new cardholders only: not if you're reopening this card, or switching in from another BMO card
- Keep it 365 days: welcome points can be taken back if you close the card sooner
- No bankruptcy in the past 7 years
- Check you qualify Income: $80,000 personal or $150,000 household. You need to live in Canada and be the age of majority in your province.
- Have this ready Your address and how long you've lived there, your employer and yearly income, and your monthly rent or mortgage. Your SIN is optional for a credit card; you can leave it blank.
- Expect a credit check Applying adds a hard inquiry to your credit report, which lowers your score a little for a few months. Space applications about 90 days apart.
- Apply on BMO's own site Apply online from the bank's product page, where the offer above is shown. This isn't an affiliate link: we earn nothing if you apply.Apply on BMO's site →
- After you're approved Put the spending needed for the welcome offer on the card before the deadline, and pay the full balance every month.
How to use it
- Welcome offer: 20,000 points after $5,000 in 110 days, 20,000 more at $9,000 in 180 days, 30,000 more at $18,000 in a year. $9,000 in 180 days also earns a companion pass. Year-one fee waived
- Porter flights: book direct with Porter and add your VIPorter number for 3 points per $1 and the bag perks
- Groceries and dining: 2 points per $1 on the first $10,000 a year
- Gas and transit: 2 points per $1 on the first $5,000 a year
- Hotels: 2 points per $1 on the first $5,000 a year
- Everything else: 1 point per $1
- Example: $800/month groceries + $250 gas + $250 dining + $300 bills = 32,200 VIPorter points a year, worth $322–$483 if a point is worth 1–1.5¢ (our assumption), $123–$284 after the $199 fee
Key facts
- Annual fee
- $199
- Purchase interest
- 21.99%
- Foreign currency fee
- 2.5%
- Min. personal income
- $80,000
- Min. household income
- $150,000
- Rewards
- VIPorterSee every VIPorter card
Annual fee waiver
- Year one: primary fee waived (not the $75 additional-card fee)
- BMO Premium Plan: $120 of the $199 fee rebated every year
- Performance Plan: $40 back
- The catch: both need $15,000+ in card purchases each fee year; additional-card fees are not rebated
From bmo.com product page, checked November 2, 2026. Not an affiliate link.
More BMO cards
BMO eclipse rise VisaNo annual fee
BMO Blue Rewards MastercardNo annual fee
BMO eclipse Visa Infinite$120 fee
BMO Ascend World Elite Mastercard$150 fee
BMO eclipse Visa Infinite Privilege$599 fee
BMO CashBack MastercardNo annual fee
BMO CashBack World Elite Mastercard$139 fee
BMO VIPorter Mastercard$89 fee
Best paired with
Neo World Elite Mastercard
- This card: dining & restaurants, travel, transit, drugstore / pharmacy, entertainment, everything else
- Neo World Elite Mastercard: groceries, gas / ev, bills & subscriptions
- Together: $564 a year after both fees, vs $267 with this card alone
- With this card's $199 fee rebated (see Fee waiver): $763 a year
If your stores take Amex: Scotiabank Gold Amex for groceries, gas / ev, dining & restaurants, transit, entertainment makes it $713 a year. Costco and Loblaw-banner grocers don't take Amex.
Computed on our standard household ($30,000 a year): each kind of spending goes to whichever card pays more, both fees taken off. Partners are everyday, category and churning cards on Visa or Mastercard. Points at their simplest redemption. Welcome offers not included.
Pros
- Free checked bag and carry-on for you, authorized users and up to 8 companions on the same Porter booking
- Free PorterClassic seat selection, priority check-in, security and boarding
- Up to 70,000 VIPorter points and a companion pass in year one, with the $199 fee waived (BMO: up to $2,400 in value)
- 3 points per $1 on Porter, 2 on groceries, dining, gas, transit and hotels
- Points don't expire while you have the card
Cons
- $199 a year from year two (+ $75 per additional card, not waived)
- All 70,000 points need $18,000 of spending in the first year
- The yearly companion pass needs $50,000 of spending a year
- 2x categories stop at $5,000–$10,000 a year, then 1 point
- Points work only on Porter flights
- Lounge visits through Mastercard Travel Pass cost US$32 each
- 2.5% on foreign-currency purchases
- Needs $80,000 personal or $150,000 household income
- No welcome offer if you already hold a BMO card and switch in
- BMO's footnotes give two end dates for the offer: October 31, 2026 and October 31, 2027
Insurance included
- Travel medical: $5 million, first 21 days of a trip, age 64 or younger only
- Trip cancellation: $1,500 per person, $5,000 per trip
- Trip interruption: $2,000 per person, $10,000 per trip
- Flight delay: $500 per trip, after 4 hours
- Lost or damaged bags: $500 per person, $1,000 per trip
- Delayed bags: $500 per person, after 6 hours
- Hotel burglary: $1,000
- Travel accident: $500,000
- Rental car damage: up to 48 days, cars up to $65,000 MSRP; decline the agency's cover
- Purchases: 90 days of theft/damage cover, warranty extended up to 1 year
Maximums as BMO lists them. Conditions apply; the insurance certificate decides claims.
Perks
- Porter bags and seats: free first checked bag, free carry-on, free PorterClassic seat selection (up to 9 people per booking)
- Avid Traveller status: on approval, plus $1 of Qualifying Spend per $25 on the card
- Companion pass: your companion's base fare free; one in the welcome offer, then yearly after $50,000 spend
- Instacart+: 6 months free and a $10 monthly credit
- Rental cars: up to 20% off National and Alamo
Other cards for travel
Back a year on $2,400 of travel, caps included. Points at best-case value. Before annual fees.
| Card | Earns on travel | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Marriott Bonvoy American Express | 5× points≈ 7.0% in value | $168 | $120 | October 21, 2026 |
| CIBC Aventura Visa Infinite Privilege | 3× points≈ 6.0% in value | $144 | $499 | October 21, 2026 |
| Amex Aeroplan Reserve | 3× points≈ 6.0% in value | $144 | $599 | October 21, 2026 |
| Scotiabank Scene+ Visa | 4× points | $96 | $0 | November 2, 2026 |
| Scotiabank Amex | 4× points | $96 | $0 | November 2, 2026 |
| Amex Aeroplan | 2× points≈ 4.0% in value | $96 | $120 | October 21, 2026 |
| BMO VIPorter World Elite Mastercard | 2× points≈ 3.0% in value | $72 | $199 | November 2, 2026 |
Other cards for groceries
Back a year on $9,600 of groceries, caps included. Points at best-case value. Before annual fees.
| Card | Earns on groceries | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $960 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 6× points | $576 | $120 | November 2, 2026 |
| Neo World Elite Mastercard | 5% back | $480 | $149 | October 21, 2026 |
| National Bank World Elite Mastercard | 5× points | $480 | $150 | October 21, 2026 |
| Desjardins Cash Back World Elite Mastercard | 4% back | $384 | $100 | October 23, 2026 |
| SimplyCash Preferred | 4% back | $384 | $120 | October 21, 2026 |
| BMO VIPorter World Elite Mastercard | 2× points≈ 2.7% in value | $258 | $199 | November 2, 2026 |
Other cards for dining & restaurants
Back a year on $3,000 of dining & restaurants, caps included. Points at best-case value. Before annual fees.
| Card | Earns on dining & restaurants | Back a year | Annual fee | Terms checked |
|---|---|---|---|---|
| Amex Cobalt | 5× points≈ 10.0% in value | $300 | $192 | October 21, 2026 |
| Scotiabank Gold Amex | 5× points | $150 | $120 | November 2, 2026 |
| National Bank World Elite Mastercard | 5× points | $150 | $150 | October 21, 2026 |
| Simplii Cash Back Visa | 4% back | $120 | $0 | October 21, 2026 |
| RBC British Airways Visa Infinite | 2× points≈ 4.0% in value | $120 | $165 | October 23, 2026 |
| Desjardins Odyssey Visa Infinite Privilege | 4% back | $120 | $395 | October 21, 2026 |
| BMO VIPorter World Elite Mastercard | 2× points≈ 2.7% in value | $81 | $199 | November 2, 2026 |
How the offer has changed
One row per check of BMO's page, newest first. Old rows are never edited.
| Checked | Welcome offer | Fee, year one | Ends |
|---|---|---|---|
| November 2, 2026 | Up to 70,000 VIPorter points ("up to $2,400 in value"): 20,000 after $5,000 in 110 days + 20,000 after $9,000 in 180 days + 30,000 after $18,000 in 365 days; round-trip companion pass and $1,000 Qualifying Spend after $9,000 in 180 days; first-year fee waivedOffer unchanged since October 23, 2026. BMO still states it two ways: value footnote (^^) "Offer ends October 31, 2026" (now past), offer terms (112) take applications to October 31, 2027. Correction: $120 of the $199 fee is rebated yearly with a Premium Plan ($40 with a Performance Plan; $15,000+ spend), per BMO's rebate T&Cs | $199, waived yr 1 (+ $75 additional card, not waived) | October 31, 2026 |
| October 23, 2026 | Up to 70,000 VIPorter points ("up to $2,400 in value"): 20,000 after $5,000 in 110 days + 20,000 after $9,000 in 180 days + 30,000 after $18,000 in 365 days; round-trip companion pass and $1,000 Qualifying Spend after $9,000 in 180 days; first-year fee waivedFirst capture. Value footnote says the offer ends October 31, 2026; offer terms take applications to October 31, 2027 | $199, waived yr 1 (+ $75 additional card, not waived) | October 31, 2026 |
General information, not financial advice. Offers change; confirm on BMO's page before you apply.