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BMO VIPorter World Elite®* Mastercard®*

BMO VIPorter World Elite Mastercard
BMOMastercardPorter VIPorter
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on BMO's website

Annual FeeFirst Year Annual Fee Rebate
$0$199
First year free
Our valuationFirst-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,24970,000 points valued at 1.5¢ per point, from our valuation table.Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$1,249
Welcome offer+ one round-trip companion passTo earn all Bonus Points: cumulative purchases of $5,000 within 110 days, $9,000 within 180 days and $18,000 within 365 days of account opening.
Up to70,000 points
Offer ends Dec 8, 2026

Pros & Cons

Pros

  • First Year Annual Fee Rebate ($199 annual fee rebated)
  • Welcome Bonus: Up to 70,000 points
  • Up to 3x on Porter flights

Cons

  • High annual fee ($199/yr after the first year)
  • Foreign Transaction Fee (2.5%)

Our Review

Black Friday offer from November 12 to December 8, 2026: claim your share of 50 million bonus VIPorter points. Plus, get the current welcome offer of up to $2,400 in value, including 70,000 VIPorter points, a round-trip companion pass and the annual fee waived in the first year.*

To qualify for the Black Friday bonus, you must be a new cardholder whose application is approved between November 12 and December 8, 2026, and spend a minimum of $2,000 in net purchases within 50 days of account opening. The 50 million points are shared equally among all eligible cardholders, so the number of points each cardholder receives depends on how many qualify. Points are credited within 8 weeks of January 26, 2027.*

With the BMO VIPorter World Elite Mastercard, you earn 3 points per dollar at Porter and 2 points per dollar on gas, transportation, grocery, restaurant and hotel purchases. And 1 point per dollar on all other purchases, including Costco.

With the BMO VIPorter World Elite Mastercard, you and up to 8 companions travelling on the same booking enjoy Porter travel benefits such as:

  • One free checked bag
  • 1 complimentary carry-on bag on all Porter fare types
  • Free PorterClassic seat selection
  • Priority security screening.
  • Priority rebooking on another flight in case of a delay
  • Exclusive check-in.
  • Early boarding

Additionally, as a BMO VIPorter World Elite Mastercard holder, your VIPorter points do not expire, and you automatically receive VIPorter Horizon Grand Traveller status. You also earn $1 in eligible spending towards your Porter status for every $25 spent.

You can also earn one round-trip companion pass per year if you spend $50,000 on your BMO VIPorter World Elite Mastercard during your membership year.

Finally, you are covered by a wide range of insurance policies:

  • 21-day out-of-province or country emergency medical insurance
  • Trip Cancellation/Interruption/Delay 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 six months of Instacart+ membership and a monthly $10 Instacart credit when you sign up with your eligible BMO credit card.

Rewards

All Spending

1x

Porter VIPorter pts per dollar

Porter flights

3x

Porter VIPorter pts per dollar

Groceries

2x

Porter VIPorter pts per dollar

Convenience

2x

Porter VIPorter pts per dollar

Transit

2x

Porter VIPorter pts per dollar

Gas

2x

Porter VIPorter pts per dollar

Restaurants

2x

Porter VIPorter pts per dollar

Credit Card Rewards Calculator

See how much you could earn with this card based on your spending.

¢/ point
0.75¢4.5¢
Groceries2x
$700/month
Gas2x
$200/month
Transit2x
$100/month
Restaurants2x
$300/month
Pharmacy1x
$50/month
Travel1x
$150/month
Bills & recurring payments1x
$250/month
Telecom1x
$150/month
Entertainment & streaming1x
$100/month
Office supplies1x
$0/month
Search-engine & social-media advertising1x
$0/month
All other spending1x
$500/month

Points Earned

45,600

Porter VIPorter/yr

Estimated Value

$684

After Fees

+$684

1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.

$1,734

incl. welcome bonus

Annual rewards breakdown

Groceries$8,400/yr × 2x16,800 pts
Gas$2,400/yr × 2x4,800 pts
Transit$1,200/yr × 2x2,400 pts
Restaurants$3,600/yr × 2x7,200 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 1x1,800 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Monthly spend$2,500
Average earn rate on spend per year1.52x
Average earn rate on spend 1st year with welcome bonus3.85x
Total points earned on spend45,600 pts
Welcome bonus pointsUp to 70,000 pts

The calculation uses the maximum advertised welcome offer. Your actual offer may be lower or unavailable.

Total points earned115,600 pts
Value of points accumulated in the first year≈ $1,734

First-year advantages

  • $199
Total first-year advantages$199

Perks & Benefits

Airport lounge access

DragonPassMembership only

Priority Boarding

Included

Priority check-in

Included

Accepted at Costco

Included

Travel Insurance

Travel medical (under 55)

Up to $5,000,000 / 21 days

Travel medical (55-64)

Up to $5,000,000 / 21 days

Trip Cancellation

Up to $2,000

Trip Interruption

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

Up to $65,000 / 48 days

View the insurance certificate (PDF)

Fees and interest rates

  • Annual Fee

    First Year Annual Fee Rebate

    $199
  • Additional card fee
    $75
  • Foreign currency conversion fee
    2.5%
  • Purchase Rate
    21.99%
  • Balance transfer rate23.99%
    Quebec21.99%
  • Cash advance rate23.99%
    Quebec21.99%

Eligibility

Personal Income

$80,000

Household Income

$150,000

Terms & Conditions

Black Friday offer from November 12 to December 8, 2026.*

Limited time offer: Claim your share of 50 million bonus VIPorter points. Plus, get the current welcome offer of 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.*

  • Black Friday bonus: new cardholders whose application is approved between November 12 and December 8, 2026 and who spend a minimum of $2,000 in net purchases within 50 days of account opening share equally in a pool of 50 million bonus VIPorter points, in addition to the standard welcome bonus.*
  • Eligible cardholders are identified on January 26, 2027, and points are credited within 8 weeks of that date.*
  • Earn 3 points for every $1 spent on Porter purchases*
  • Earn 2 points for every $1 spent on gas and transportation
  • Earn 2 points for every $1 spent on groceries and dining
  • Earn 2 points for every $1 spent on hotel accommodations
  • Earn 1 point for every $1 spent everywhere else

Benefits

  • Automatically become an Avid Traveller (VIPorter Venture)
  • One round-trip companion pass per year†
  • 1 complimentary checked bag*
  • 1 complimentary carry-on bag on all Porter fare types*
  • Free PorterClassic seat selection*
  • Priority security*
  • 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

  • 21-day out-of-province or country emergency medical insurance
  • Trip Cancellation/Interruption/Delay 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 six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
  • Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit. Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register
  • 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
  • Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
  • 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
  • Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.

Legal

†Conditions apply.

BMO is not responsible for updating the content of this site. For the most up-to-date information, please click on the Online Application link.

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. RewardsMD 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.