To the point
Porter Airlines launches two new BMO VIPorter Mastercard credit cards that offer status, points and travel benefits.
Following Porter’s announcement in January 2025, today marks the big take-off for the two VIPorter credit cards coming to market in Canada:
These new VIPorter credit cards offer several benefits for passengers travelling on Porter (and indirectly for Air Transat and Alaska Airlines).
Moreover, to mark the launch of these new VIPorter credit cards, you can earn up to 70,000 VIPorter points as a welcome bonus, plus other exclusive benefits!
For inspiration, read our article on several destinations for travelling with 50,000 VIPorter points.
BMO VIPorter Mastercard
BMO VIPorter Mastercard - Welcome offer
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 re-accommodation for flight delays
- Dedicated check-in
- Early boarding
Also, as a BMO VIPorter Mastercard cardholder, your VIPorter points don’t expire, and you automatically have VIPorter Passport Avid Traveller Elite Status. And you’ll earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.
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
BMO VIPorter Mastercard - Earn VIPorter points
In everyday life, the BMO VIPorter Mastercard earns VIPorter points as follows:
- 2 points per dollar spent on Porter flights;
- 1 point per dollar on transportation, gas, groceries, dining and hotels;
- 0.5 points per dollar on all other purchases.
The spending limit at 2 points per dollar is $10,000 annually from January to December. Over $10,001, the earning rate will be capped at 0.5 VIPorter points per dollar.
Next, the 1X spending limit on gas, hotel and transportation is $3,000 annually from January to December. Above $3,001, the earning rate will also be capped at 0.5 VIPorter points per dollar.
The 1X spending limit on dining and grocery stores is $5,000 annually from January to December. Over $5,001, the earning rate will be capped at 0.5 VIPorter points per dollar.
BMO VIPorter Mastercard - Benefits
Moreover, the BMO VIPorter Mastercard offers you other benefits to make your flights on Porter’s wings even more enjoyable:
- Annual fee fully rebated in the first year ($89 value), including three additional cardholders ($35 value each);
- Earn $1 of Qualifying Spend for every $25 spent for your Porter Elite Status
- There is no minimum individual income required for this card.
What’s really interesting is the automatic VIPorter Passport membership. It’s valid for as long as you hold the credit card.
With VIPorter Passport Elite Status, the primary cardholder AND additional BMO VIPorter Mastercard credit cardholders receive the following benefits:
- Earn 6 points per dollar on Porter flights (in addition to the 2 points offered by the BMO VIPorter Mastercard when you use it to pay for your Porter flights).
- No points expiry
- Priority re-accommodation for flight delays
- Exclusive check-in, priority security control and boarding before everyone else for you and up to eight travel companions
- Priority Airport Standby
- Priority call centre service
BMO VIPorter World Elite Mastercard
For Porter’s more frequent travellers, the BMO VIPorter World Elite Mastercard has even more comprehensive benefits and better VIPorter point earning rates.
BMO VIPorter World Elite Mastercard - Welcome Offer
With this offer for the BMO VIPorter World Elite Mastercard, you’ll earn up to 70,000 VIPorter points and a round-trip companion pass. Moreover, you pay no annual fee for the first year and receive $1,000 in eligible expenses for 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 VIPorter spending 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:
- 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
Also, as a BMO VIPorter World Elite Mastercard cardholder, your VIPorter points never expire, and you automatically earn VIPorter Venture Avid Traveller Elite Status. And you’ll earn $1 of Avid Traveller Qualifying Spend for every $25 in eligible credit card spend.
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
BMO VIPorter World Elite Mastercard - Earn VIPorter points
In everyday life, the BMO VIPorter World Elite Mastercard earns VIPorter points in this way:
- 3 points per dollar spent on Porter flights;
- 2 points per dollar on transportation, gas, groceries, dining and hotels;
- 1 point per dollar on all other purchases.
The spending limit at 3 points per dollar is $20,000 annually from January to December. From $20,001, the earning will be capped at 1 VIPorter point per dollar.
Next, the 2X spending limit on gas, hotel and transportation is $5,000 annually from January to December. Over $5,001, the earning will be capped at 1 VIPorter point per dollar.
The 2X spending limit on dining and grocery stores is $10,000 annually from January to December. Over $10,001, the earning will be capped at 1 VIPorter point per dollar.
BMO VIPorter World Elite Mastercard - Benefits
In addition, the BMO VIPorter World Elite Mastercard offers you other benefits worth up to $1,228 to make your flights on Porter’s wings even more enjoyable:
- Annual fee fully rebated in the first year ($199 value)
- Earn $1 of Qualifying Spend for every $25 spent for your Porter Elite Status
To qualify for the BMO VIPorter World Elite Mastercard, you must have an individual annual income of $80,000 or more or at least $150,000 in annual household income. If this is not your case, opt for the other version, the BMO VIPorter Mastercard.
With the BMO VIPorter World Elite Mastercard, you automatically receive VIPorter Horizon status. It begins approximately 2 days after your card application is approved, and is valid for as long as you hold the credit card. For example, if you apply for the card today, you’ll retain this status until at least December 31, 2026.
With the VIPorter Venture Elite Status, the primary AND additional BMO VIPorter World Elite Mastercard credit cardholders receive the following benefits:
- Earn 6 points per dollar on Porter flights (in addition to the 3 points offered by the BMO VIPorter World Elite Mastercard if you pay for your Porter flights with it).
- No points expiry
- Priority re-accommodation for flight delays
- Priority Airport Standby
- Exclusive check-in, priority security control and boarding before everyone else for you and up to eight travel companions
- Priority call centre service
- Complimentary seat selection
- 1 Complimentary carry-on bag
- 1 Complimentary checked bag
- Complimentary confirmed PorterReserve experience on Porter flights at $3,000 in qualifying spend
VIPorter: a loyalty program worth knowing
VIPorter points are redeemable not only on Porter flights but also on other flights. You can also redeem them for Air Transat and Alaska Airlines flights!
For example, fly to Paris and back with 50,000 VIPorter points and $232 with Air Transat.
Read our guide to the VIPorter loyalty program.
Porter is a fast-growing airline building a new terminal at Montreal St-Hubert Airport. It will be ready by the end of 2025.
What’s more, Porter is constantly announcing new destinations and new aircraft. In Canada, Porter Airlines is a growing airline that deserves your attention: it offers economy class, where all travellers enjoy free wine, beer and quality snacks.
The new E195-E2 aircraft goes even further, offering complimentary high-speed WiFi and a superior menu.
Should you apply for a BMO VIPorter Mastercard?
Here is a summary of the two new BMO VIPorter cards and their benefits:
| VIPorter Credit Cards | BMO VIPorter Mastercard | BMO VIPorter World Elite Mastercard |
| Welcome points | Up to 40,000 VIPorter points | Up to 70,000 VIPorter points |
| Welcome Offer | A 35% off voucher with the welcome offer |
|
| Annual Fee |
$89 (rebated in the first year) |
$199 (rebated in the first year) |
| Earning Points |
|
|
| VIPorter Elite status automatically earned with card | VIPorter Passport Elite Status | VIPorter Venture Elite status |
| Earn $1 of Qualifying Spend for every $25 spent for your Porter Elite Status | $1 | $1 |
These two Canadian airline credit cards enter a competitive market (Air Canada Aeroplan and WestJet Rewards). However, they are the only credit cards that offer Elevated Elite status automatically, simply by holding them in your wallet.
The BMO VIPorter Mastercard is ideal for travellers planning group getaways. Its 35% discount coupon, applicable to a maximum of four people, offers significant savings when travelling with family or friends. You can also get VIP benefits (without having to fly thousands of miles on Porter’s wings) or a little boost to reach a higher Elite status faster.
As for the VIPorter World Elite Mastercard, this card is ideal for frequent flyer couples who appreciate comfort and benefits. Its companion ticket – offering 100% discount on a second flight ticket – represents exceptional value for duos exploring together. While complimentary baggage and an included seat selection enhance every trip for two.
Note that there is, in fact, a third Porter credit card, the BMO VIPorter World Mastercard, which will be offered to those who apply for the BMO VIPorter Mastercard. This card will have the same benefits as a World Mastercard, and all other aspects (fees, earning rates, insurance, Porter benefits) will be similar to the BMO VIPorter Mastercard.
Frequently asked questions about BMO VIPorter Mastercard Credit Cards
What's the difference between the BMO VIPorter Mastercard and the World Elite?
The BMO VIPorter World Elite Mastercard offers higher point earning rates, more comprehensive travel privileges (free baggage, upgrades, complimentary seats) and VIPorter Horizon status. In contrast, the BMO VIPorter Mastercard offers VIPorter Passport status. The BMO VIPorter World Elite Mastercard also requires a higher annual income ($80,000 personal or $150,000 household).
What VIP benefits are included with BMO VIPorter cards?
Both cards offer exclusive privileges on Porter flights, such as priority boarding, alternate flight placement in case of delays, exclusive check-in and priority services for up to 8 companions on the same reservation. With the BMO VIPorter World Elite Mastercard, you’ll enjoy additional benefits such as complimentary baggage, complimentary seat selection and upgrades to PorterReserve on purchases of $3,000 or more.
How do I earn VIPorter points with a BMO VIPorter credit card?
Here are the BMO VIPorter Mastercard credit cards earning rates:
-
BMO VIPorter Mastercard: 2 points/$ at Porter, 1 point/$ for transportation, gas, groceries, dining, hotels (with limits), 0.5 point/$ for other purchases.
-
BMO VIPorter World Elite Mastercard: 3 points/$ at Porter, 2 points/$ for the same categories (with higher limits), and 1 point/$ for other purchases.
In both cases, annual limits apply, beyond which the rate drops to 0.5 points or 1 point depending on the BMO VIPorter credit card.
Do VIPorter points expire with these cards?
No. If you’re a BMO VIPorter Mastercard credit cardholder (regular or World Elite), your VIPorter points never expire. This is a significant advantage, especially if you’re earning points over the long term for future travel.
Can VIPorter points be used for anything other than Porter flights?
Yes. In addition to Porter flights, VIPorter points can be redeemed for flights with Air Transat and Alaska Airlines. This dramatically expands the possibilities for using points beyond the Porter network.
