Pros & Cons
Pros
- +First Year Annual Fee Rebate ($89 annual fee rebated)
- +Welcome Bonus: 40,000 points
- +Purchase protection included
Cons
- –Foreign Transaction Fee (2.5%)
Our Review
With this offer for the BMO VIPorter Mastercard, you’ll earn up to 40,000 VIPorter points and a 35% off flight voucher. Plus, you pay no annual fee for the first year.
Here’s how to get your full welcome bonus:
- 10,000 points after $3,000 in purchases within the first 110 days of account opening
- 15,000 points and a 35% off flight voucher after $6,000 in purchases within the first 180 days of account opening
- 15,000 points after $10,000 in purchases within the first 365 days of account opening
So, to get the full welcome bonus of 40,000 VIPorter points, you’ll need to spend $10,000 in the first year.
With the BMO VIPorter Mastercard, you earn 2 points per dollar at Porter and 1 point per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 0.5 points per dollar on all other purchases, including Costco.
With the BMO VIPorter Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:
- Priority rebooking on another flight in case of a delay
- Exclusive check-in.
- Early boarding
Additionally, as a BMO VIPorter Mastercard holder, your VIPorter points do not expire and you automatically receive VIPorter Passport Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.
Finally, you are covered by a wide range of insurance policies:
- 8-day out-of-province or country emergency medical insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight Delay Insurance
- Baggage insurance
- Hotel burglary insurance
- Purchase Protection
- Extended warranty insurance
Finally, enjoy three months of Instacart+ membership and a $5 monthly Instacart credit when you sign up with your eligible BMO credit card.
Offer ends: 2026-06-30
Rewards
All Spending
0.5x
Porter VIPorter pts per dollar
Groceries
1x
Transit
1x
Restaurants
1x
Gas
1x
Convenience
1x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
22,800
Porter VIPorter/yr
Estimated Value
$342
After Fees
+$342
1st Year Value
$942
incl. welcome bonus
Annual rewards breakdown
- Earn 40,000 Porter VIPorter after $10,000 in purchases in 12 months
Travel Insurance
Travel Medical
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Hotel Burglary
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Included
Interest Rates
- Purchase Rate21.99%
- Cash Advance23.99%
- Foreign Transaction Fee2.5%
Terms & Conditions
Card Features
Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.
- Earn 2 points for every $1 spent on Porter purchases
- Earn 1 point for every $1 spent on gas and transportation
- Earn 1 point for every $1 spent on groceries and dining
- Earn 1 point for every $1 spent on hotel accommodations
- Earn 0.5 points for every $1 spent everywhere else
Benefits
- Automatically become an Avid Traveller (VIPorter Passport)
- Priority re-accommodation for flight delays*
- Dedicated check-in*
- Early boarding*
- No expiration of VIPorter points.
- Earn $1 of qualifying spend for every $25 spent*
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
- 8-day out-of-province or country emergency medical insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight Delay Insurance
- Baggage insurance
- Hotel burglary insurance
Purchasing insurance
- Shop confidently with an extended warranty and purchase protection
Other Benefits
- Enjoy three months of Instacart+ and a $5 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
- Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
- Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
- Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.*
Legal
†Terms and conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. EducFinance may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.