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BMO VIPorter Mastercard

Start with up to 40,000 VIPorter Points + 35% Flight Voucher, worth about $1,800.

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Annual fee
$89
Reward type
VIPorter Points
Point value
0.03¢

per point

Typical credit · 660+
BMO VIPorter Mastercard✈️ Porter Points

Welcome bonus

New cardmembers can earn up to 40,000 VIPorter Points + 35% Flight Voucher, worth roughly $1,800, by completing the steps below.

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.

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

Built-in perks & coverage

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.

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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.

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

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