Get up to 70,000 points with BMO VIPorter Mastercard credit cards!
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After Porter’s announcement in January 2025, two VIPorter credit cards were launched in the Canadian market:
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 |
These VIPorter credit cards offer several advantages for passengers travelling withj Porter (and indirectly for Air Transat and Alaska Airlines).
Plus, with these VIPorter credit cards, you can earn up to 70,000 VIPorter points as a welcome bonus, along with 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
- Annual feeNo annual fee the first year
- $0 $89
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$89Total$689Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $689
- Welcome offerAfter $10,000 in 12 months
- Up to 40,000 points
- Ends Oct 31, 2026
Apply Now
on BMO's website
BMO VIPorter Mastercard – Earn VIPorter Points
In everyday life, the BMO VIPorter Mastercard earns VIPorter points as follows:
- 8 to 9 points per dollar eligible spent on Porter flights;
- 1 point per dollar eligible on transit, gas, groceries, restaurants, and hotels;
- 0.5 point per dollar eligible on all other purchases.
BMO VIPorter Mastercard – Benefits
In addition, the BMO VIPorter Mastercard offers other benefits to make your Porter flights much more enjoyable:
- Annual fee fully rebated in the first year ($89 value), including three additional cardholders ($35 value each);
- Earn $1 in eligible Frequent Flyer Qualifying Spend for every $25 charged to the card;
- 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 status, the primary cardholder AND additional cardholders of the BMO VIPorter Mastercard get the following benefits:
- Accumulation de 6 points par dollar sur les vols Porter (en plus des 2 points offerts par la Carte Mastercard BMO VIPorter si vous payez vos vols Porter avec celle-ci)
- No points expiry
- Priority rebooking on another flight in case of a delay
- 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
- Annual feeNo annual fee the first year
- $0 $89
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$600Annual fee rebated$89Total$689Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
- $689
- Welcome offerAfter $10,000 in 12 months
- Up to 40,000 points
- Ends Oct 31, 2026
Apply Now
on BMO's website
BMO VIPorter World Elite Mastercard
For more frequent Porter travelers, the BMO VIPorter World Elite Mastercard comes with even more comprehensive benefits and better VIPorter point earning rates.
To learn more about the VIPorter Grand Voyageur elite status, see the complete guide here.
BMO VIPorter World Elite Mastercard – Welcome Offer
- Annual feeNo annual fee the first year
- $0 $199
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards 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 passAfter $18,000 in 12 months
- Up to 70,000 points
- Ends Oct 31, 2026
Apply Now
on BMO's website
BMO VIPorter World Elite Mastercard – Earn VIPorter Points
In everyday life, the BMO VIPorter World Elite Mastercard earns VIPorter points in this way:
- 9 to 10 points per dollar eligible spent on Porter flights;
- 2 points per dollar eligible on transit, gas, groceries, restaurants, and hotels;
- 1 point per dollar eligible on all other purchases.
Next, the spending cap for 2 points per dollar on gas, hotels and transportation is $5,000 per year, from January to December. Starting at $5,001, you earn 1 VIPorter point per dollar.
The spending cap for 2 points per dollar at restaurants and grocery stores is $10,000 per year, from January to December. Starting at $10,001, you earn 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)
- Accumulation de 1 $ de dépenses admissibles Grand Voyageur pour chaque tranche de 25 $ de dépenses admissibles, portées sur la carte.
To be eligible for the BMO VIPorter World Elite Mastercard, you need a personal annual income of $80,000 or more, or a household annual income of at least $150,000. If that’s not your case, go 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 rebooking on another flight in case of a delay
- 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 free checked bag
- Complimentary confirmed PorterReserve experience on Porter flights at $3,000 in qualifying spend
- Annual feeNo annual fee the first year
- $0 $199
- Our valuationMilesopedia first-year estimate First-year valueWelcome bonus$1,050Annual fee rebated$199Total$1,249Rewards 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 passAfter $18,000 in 12 months
- Up to 70,000 points
- Ends Oct 31, 2026
Apply Now
on BMO's website
VIPorter: A Loyalty Program Worth Knowing
VIPorter points aren’t just for Porter flights. They can also be used for flights with Air Transat and Alaska Airlines!
For example, fly round-trip to Paris for 50,000 VIPorter points and $232 with Air Transat.
Read our guide to the VIPorter loyalty program.
Porter Airlines is growing fast and, on June 15, 2026, opened a new terminal at Montréal Metropolitan Airport (formerly Saint-Hubert), where it is the main carrier, with about a dozen destinations from Montréal.
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 E195-E2 aircraft go even further, with free high-speed Wi-Fi and an upgraded menu.
Should You Apply for a BMO VIPorter Mastercard?
Here is a summary of the two 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 | ||
| Earning Points |
|
|
| VIPorter status automatically obtained with the card | VIPorter Passport status | VIPorter Horizon status |
| Earn Frequent Flyer Qualifying Spend for every $25 in eligible spend | $1 | $1 |
These two Canadian airline credit cards compete in a crowded market (Air Canada Aeroplan and WestJet Rewards). However, they are the only ones to automatically offer high Elite status, just by having them in your wallet.
The BMO VIPorter Mastercard is ideal for travellers planning group getaways. With its 35% discount voucher for up to four people, it can mean significant savings on trips with family or friends. On top of that, it offers VIP privileges without having to fly thousands of miles with Porter, and it can give you a boost to reach higher 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 actually a third Porter credit card, the BMO VIPorter Mastercard World, 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 everything else (fees, points earning, insurance, Porter benefits) will be similar to the BMO VIPorter Mastercard.
| Credit card | Annual fee | Welcome offer | |
|---|---|---|---|
| $0 | |||
| $0 |
Refer a Friend or Family Member
You can refer someone close to you for a BMO VIPorter credit card.
If you’re a BMO VIPorter cardholder, you can invite a friend or family member to apply.
The offer for the person being referred – BMO VIPorter World Elite Mastercard:
- Current welcome offer
- Companion voucher not included (unlike the standard welcome offer)
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).
Read our comparison between the TD Aeroplan Visa Infinite Card and the BMO VIPorter World Elite MasterCard.
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 $3,000 or more.
How do I earn VIPorter points with a BMO VIPorter credit card?
Here are the BMO VIPorter Mastercard credit cards earning rates:
- BMO VIPorter Mastercard: 2 points/$ with Porter, 1 point/$ on transportation, gas, groceries, restaurants and hotels (with caps), 0.5 point/$ on other purchases.
- BMO VIPorter World Elite Mastercard: 3 points/$ with Porter, 2 points/$ in the same categories (with higher caps), 1 point/$ on 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.