BMO VIPorter World Elite: 50 million points to share until December 8
From November 12 to December 8, 2026, newly approved BMO VIPorter World Elite Mastercard cardholders share 50,000,000 VIPorter points, on top of the welcome offer, after $2,000 in purchases within 50 days.
From November 12 to December 8, 2026, BMO and Porter are adding a bonus to the BMO VIPorter World Elite®* Mastercard®*. New cardholders approved during this period will also share a pool of 50,000,000 VIPorter points, on top of the standard welcome offer. To qualify, you need to spend at least $2,000 in net purchases within 50 days of account opening.
Your share isn't known in advance: it depends on how many cardholders meet the condition. Card details are on BMO's official page.
The offer at a glance
- Period: application approved between November 12 and December 8, 2026
- Condition: at least $2,000 in net purchases within 50 days of account opening
- Bonus: an equal share of a pool of 50,000,000 VIPorter points
- On top of: the standard welcome offer, up to 70,000 VIPorter points
- Payout: eligible cardholders are identified on January 26, 2027, and points are credited within 8 weeks of that date
Net purchases are less refunds and exclude cash advances, cash-like transactions, interest charges, fees, and credit or debit adjustments.
- Annual feeNo annual fee the first year
- $0 $199
- First year free
- 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 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 to 70,000 points
- Ends Dec 8, 2026
on BMO's website
How many points could you get?
The 50,000,000-point pool is split equally among all eligible cardholders. BMO gives this example: if 10,000 cardholders meet the minimum spend, each one receives 5,000 VIPorter points.
The amount depends on participation. A few scenarios, for illustration only:
- 5,000 eligible cardholders: 10,000 points each
- 10,000 eligible cardholders: 5,000 points each (BMO's example)
- 20,000 eligible cardholders: 2,500 points each
We don't know how many people will take part, and BMO won't publish that number before the January 26, 2027 calculation. Treat this bonus as an extra on top of the welcome offer, not as the main reason to apply for the card.
Who is eligible
- New cardholders only: current and former cardholders are excluded.
- Limit of one offer per person.
- The account must remain open and in good standing through the crediting date, with no cancellations or purchase reversals.
- Standard BMO credit approval and cardholder terms apply.
Porter and BMO reserve the right to modify or cancel the offer at any time.
The card also requires a personal income of at least $80,000 or a household income of at least $150,000. Check this before you apply.
The standard welcome offer
The pool bonus comes on top of the card's regular welcome offer, worth up to 70,000 VIPorter points:
- 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 spend toward your VIPorter status after $9,000 in purchases within the first 180 days
- 30,000 points after $18,000 in purchases within the first 365 days
The annual fee is waived for the first year, then it's $199 per year.
Who this card is for
The card is mainly for travellers who fly Porter. You earn 3 VIPorter points per dollar on Porter purchases, and 2 points per dollar on groceries, dining, gas, transportation, and hotels. When you fly Porter, you and up to 8 companions on the same booking get a free first checked bag, free PorterClassic seat selection, and early boarding, among other perks.
If you rarely fly Porter, compare it first with other travel cards in our guide to the best credit cards in Canada. To follow upcoming VIPorter points offers, sign up for our newsletter.
Conditions apply.