The ClearFin bottom line
✈️ Porter Points
Its strongest published earn rate in our data is 1.0% on dining. The $89 annual fee should be weighed against the rewards and benefits you expect to use.
Checked 2026-08-09 · Official issuer catalogueIndependent ClearFin review · BMO
BMO VIPorter Mastercard
Start with up to 40,000 VIPorter Points + 35% Flight Voucher, worth about $1,800.
Independent comparisonFees includedCanadian card data
- Annual fee
- $89
- Reward type
- VIPorter Points
- Welcome offer
- 40,000 pts
- Insurance
- Not listed
First year free
Current new-cardmember offer
Confirm with the issuer
$100cash rebate*
✈️ Porter Points
✈️ Porter Points
Welcome bonus
Up to 40,000 VIPorter Points + 35% Flight VoucherEstimated value: $1,800
How to earn it
- 20,000 VIPorter pointsSpend $5,000 within the first 110 days after account opening.
- 20,000 VIPorter pointsSpend an additional $9,000 within the first 180 days after account opening.
- 35% flight voucherReceive an annual voucher for 35% off one Porter flight booking.
- First-year annual fee rebateAnnual fee waived for the first year.
Offer details
Available to new cardholders who meet the offer requirements. Existing offer terms and account standing requirements apply.
How you earn
- 2 VIPorter points per $1 spent on eligible Porter purchases
- 1 VIPorter point per $1 spent on gas and transportation purchases
- 1 VIPorter point per $1 spent on grocery purchases
- 1 VIPorter point per $1 spent on dining purchases
- 1 VIPorter point per $1 spent on hotel accommodation purchases
- 0.5 VIPorter points per $1 spent on all other eligible purchases
Costs and requirements
Fees & eligibility
Confirm final approval criteria and current rates directly with the issuer.
Annual fee$89First year free
Purchase interest21.99%
Cash advance interest23.99%
Foreign transaction fee2.5%
Income requirementNot statedIssuer approval criteria apply
Recommended credit score660+ Fair to Good
Applicants typically have the strongest approval odds with a fair to good credit profile. While approvals are possible outside this range, higher scores generally improve the likelihood of approval and access to larger credit limits.
300Poor
560Fair
660+Good
725Very Good
760Excellent
ClearFin estimate on Canada's 300–900 scale. This is not an issuer cutoff or approval guarantee; lenders may use different bureau scores and underwriting criteria. This is an estimated approval range based on industry data and cardholder reports. BMO does not publish a minimum credit score requirement, and approval decisions consider additional factors such as income, credit history, existing debt, payment history, and overall creditworthiness.
Reward limits: The BMO VIPorter Mastercard does not publish any annual or monthly spending caps on VIPorter point earning categories. Cardholders earn 2 VIPorter points per $1 on Porter purchases, 1 VIPorter point per $1 on gas and transportation, groceries, dining, and hotel accommodations, and 0.5 VIPorter points per $1 on all other eligible purchases with no disclosed category spending limits.
Using your rewards
Redemption options
Redemption values and availability may vary by option and can change.
Redeem the card's rewards through the issuer's current rewards program.
Available options, minimums, transfer access, and redemption values vary; confirm the current program terms before applying.
Beyond the points
Benefits that come with the card
Consider these extras by the value they add to purchases and experiences you already use.
35% Annual Flight Discount Voucher
Receive one annual voucher that provides 35% off a Porter flight booking, helping reduce the cost of future travel.
Avid Traveller Status
Primary cardholders and authorized users automatically receive VIPorter Avid Traveller status, unlocking enhanced Porter travel benefits.
Dedicated Check-In
Access dedicated Porter check-in services for a faster and more convenient airport experience.
Early Boarding
Enjoy priority boarding on eligible Porter flights, allowing you to settle in sooner and secure overhead bin space.
Priority Re-Accommodation
Receive priority assistance and rebooking support during eligible Porter flight disruptions and delays.
No VIPorter Points Expiry
VIPorter points earned through the card do not expire while the account remains in good standing.
VIPorter Qualifying Spend Acceleration
Earn $1 of VIPorter Qualifying Spend for every $25 charged to the card, helping accelerate progress toward higher VIPorter status levels.
Emergency Medical Insurance
Includes 8-day out-of-province and out-of-country emergency medical coverage for eligible trips.
Show all 15 benefitsShow fewer
Travel Insurance Package
Includes flight delay insurance, baggage insurance, common carrier accident insurance, hotel burglary insurance, and car rental collision/loss damage coverage.
Purchase Protection
Eligible purchases are protected against theft, loss, or accidental damage for a specified period after purchase.
Extended Warranty
Extends the manufacturer's original warranty on eligible purchases, providing additional coverage after the original warranty expires.
Car Rental Discounts
Access discounts with Avis, Budget, National, Alamo, and Enterprise rental programs when booking with the card.
Cirque du Soleil Discounts
Receive discounted admission to eligible Cirque du Soleil shows in Canada and Las Vegas.
Instacart+ Membership Offer
Receive three complimentary months of Instacart+ membership and a monthly Instacart credit when enrolled through the eligible BMO offer.
BMO PaySmart Installment Plans
Convert eligible purchases into fixed monthly installment payments for greater payment flexibility.
Protection included
Insurance at a glance
No included coverage is verified in ClearFin's current catalogue.
Insurance is not currently listed for this product.
This does not prove that coverage is unavailable. Confirm the issuer's current certificate and benefit guide before relying on protection.
Check the official card page ↗The verdict
What we like
- First-year fee rebate
- Generous welcome bonus
- High-value Porter redemptions
Worth noting
- Low spending caps
- Flight discount spending requirement
- Limited redemption opportunities
ClearFin analysis
Our detailed review
A practical reading of where the card earns, what the fee buys, and which limits matter.
✈️ Porter Points
2x VIPorter points on Porter. 1x on travel, gas, groceries, dining & hotels. 0.5x everywhere else.
How the rewards work
Dining, Groceries, Gas, Travel receive the strongest estimated return at 1.0%. Purchases outside the accelerated categories earn an estimated 0.50%.
What the annual cost means
Using the strongest estimated category return alone, roughly $8,900 in annual spending at that rate would equal the $89 fee before considering the value of insurance, partner benefits, or a welcome offer.
Who it may suit
This card is most relevant for someone who spends consistently on dining and groceries and can use enough of the included value to justify the yearly cost.
What to examine before applying
Compare the purchase interest rate, foreign-transaction fee, approval requirements, reward limits, and insurance certificates. Pay particular attention to merchant-category rules because a store may not receive the reward rate its products appear to suggest.
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Issuer terms apply. ClearFin is not affiliated with this provider. How we make money. Card facts were checked against the issuer's official source. The issuer's current catalogue was checked. Any field not explicitly listed remains marked as unverified rather than estimated.