BMO VIPorter World Elite®* Mastercard®*

Welcome Bonus
Up to 70,000 Points + one round-trip companion pass
Ends Jan 31, 2026
  • Porter Benefits
  • Premium Insurance
  • Accepted at Costco
Annual Fee
$199
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
21.99%
Cash Advance Rates
23.99%
21.99% (QC)
Balance Transfer Rates
23.99%
21.99% (QC)
BMO VIPorter World Elite®* Mastercard®*
BMO VIPorter World Elite®* Mastercard®*
Up to 70,000 Points + one round-trip companion pass
Ends Jan 31, 2026
Apply Now

Offer

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend, and pay no annual fee in your first year.*

  • 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.

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $199
First Year Annual Fee Rebate
First Additional Card $75
Other Additional Card $75
Foreign Transaction Fee 2.5%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Jan 31, 2026
Welcome Bonus amount Up to 70,000 Points + one round-trip companion pass
Minimum Spending Required $18,000
Minimum Spending Timeframe (Months) 12 month(s)
Priority Check-In
Priority Boarding
Costco

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 2 Points
Gas 2 Points
Dining and Food delivery 2 Points
Convenience Stores 2 Points
Drugstores 1 Point
Local Transport 2 Points
Travel 1 Point
Entertainment 1 Point
Recurring Payments 1 Point
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
21 day(s)
Travel medical insurance up to 64 years old
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

This section sets out the maximum coverage amounts or periods. Please review your insurance certificate for details, exclusions and limitations of your coverage, terms and conditions apply.

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection

Our review

With this offer for the BMO VIPorter World Elite Mastercard, you get up to 70,000 VIPorter points and a round-trip companion pass. Plus, you pay no annual fees for the first year and receive $1,000 in eligible spending towards your VIPorter status.

Here’s how to get your full welcome bonus:

  • 20,000 points after $5,000 in purchases within the first 110 days of account opening
  • 20,000 points, a round-trip companion pass, and $1,000 in eligible spending towards your VIPorter status after $9,000 in purchases within the first 180 days of account opening
  • 30,000 points after $18,000 in purchases within the first 365 days of account opening

So, to get the full welcome bonus of 70,000 VIPorter points, you’ll need to spend $18,000 in the first year.

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:

  • On 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.

Frequently Asked Questions

Alternative Cards

4.25

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