{"id":446573,"date":"2025-05-15T15:02:00","date_gmt":"2025-05-15T19:02:00","guid":{"rendered":"https:\/\/milesopedia.com\/?p=446573"},"modified":"2025-11-05T15:38:48","modified_gmt":"2025-11-05T20:38:48","slug":"comparatif-carte-mastercard-bmo-viporter-world-elite-vs-carte-westjet-world-elite-mastercard-rbc","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/reviews\/credit-cards\/comparatif-carte-mastercard-bmo-viporter-world-elite-vs-carte-westjet-world-elite-mastercard-rbc\/","title":{"rendered":"Head-to-Head: BMO VIPorter World Elite Mastercard vs. WestJet RBC World Elite Mastercard"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p><a href=\"https:\/\/milesopedia.com\/en\/cards\/rbc\/\" target=\"_blank\" rel=\"noopener\">RBC<\/a> Bank and the Bank of Montreal (<a href=\"https:\/\/milesopedia.com\/en\/cards\/bmo\/\" target=\"_blank\" rel=\"noopener\">BMO<\/a>) both offer credit cards that earn points redeemable for flights on Canadian airlines:<\/p>\n<ul>\n<li><a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021<\/a><\/li>\n<li><a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438105,164900\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t<div class=\"card-compare--offer-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--value-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<div class=\"card-compare--fee-heading\">\n    <div class=\"card-compare-v-item-heading\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-2\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-2\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[vc_column_text css=&#8221;&#8221; el_class=&#8221;links&#8221;]<\/p>\n<p>To help you make a choice, let&#8217;s look at the main distinctions between these credit cards according to:<\/p>\n<ul>\n<li><a href=\"#prime\">Welcome Bonus<\/a><\/li>\n<li><a href=\"#revenu\">Requested income<\/a><\/li>\n<li><a href=\"#accumulation\">Points earning<\/a><\/li>\n<li><a href=\"#utilisation\">Using points<\/a><\/li>\n<li><a href=\"#frais\">Annual fees<\/a><\/li>\n<li><a href=\"#assurances\">Insurance<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Bonus&#8221;][vc_column][vc_custom_heading text=&#8221;Welcome Bonus&#8221; el_id=&#8221;welcome_bonus&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The welcome offers on these two cards fluctuate according to current promotions. At the moment, they offer the same number of points, but with different features to consider. <\/p>\n<p>[\/vc_column_text][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;140095&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup><sup>&reg;<\/sup><\/sup> World Elite Mastercard\u2021<\/a>, you can earn <strong>up to 70,000 WestJet points<\/strong>:<\/p>\n<ul>\n<li><strong>30,000 WestJet points<\/strong> on your first purchase<\/li>\n<li><strong>30,000 WestJet points<\/strong> if you charge purchases totalling at least $5,000 to the card in the first three months<\/li>\n<li><strong>10,000 WestJet points<\/strong> after first year anniversary<\/li>\n<\/ul>\n<p>Plus, get an annual round-trip companion voucher after spending $5,000 on the card.<\/p>\n<p>Based on our assessment, one WestJet point is worth 1 cent. So, this welcome offer is worth <strong>$700<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>When you sign up for the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a>, you can earn <strong>up to 70,000 VIPorter points<\/strong>, plus a few extra gifts:<\/p>\n<ul>\n<li><strong>20,000 points<\/strong> after <span class=\"nowrap\">$5,000<\/span> in purchases within the first 110 days of account opening;<\/li>\n<li><strong>20,000 points<\/strong> after <span class=\"nowrap\">$9,000<\/span> in purchases within the first 180 days of account opening;<\/li>\n<li><strong>30,000 points<\/strong> after $18,000 in purchases within the first 365 days of account opening;<\/li>\n<li>A round-trip companion pass (second ticket free, excluding taxes and fees, on a Porter flight);<\/li>\n<li><span class=\"nowrap\">$1,000<\/span> in eligible spending for your VIPorter status;<\/li>\n<\/ul>\n<p>Based on our valuation of VIPorter points (1.5 cents per point), this welcome bonus, including small extras, corresponds to an approximate total value of <strong>$1,249<\/strong>.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579492398{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_bmo_viporter_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In terms of value, the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* has the best welcome offer! However, you&#8217;ll need to spend $18,000 over 12 months (average monthly spend of $1,500 for one year) to earn all the points and benefits of the offer. <span class=\"ajout\">This is<\/span> much higher than the competing <span class=\"ajout\">option<\/span>, where you only have to <span class=\"ajout\">spend<\/span><span class=\"nowrap\"> $5,000<\/span> to obtain nearly<span class=\"ajout\"> the entire<\/span> welcome offer. <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Income&#8221;][vc_column][vc_custom_heading text=&#8221;Minimum Income&#8221; el_id=&#8221;minimum_income&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;140095&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup><sup>&reg;<\/sup><\/sup> World Elite Mastercard\u2021<\/a> requires a minimum individual income of $80,000 per year or an annual family income of $150,000.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> requires a minimum individual income of $80,000 per year or an annual family income of $150,000.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Draw&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;draw&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>As they are both Mastercard World Elite cards, the minimum income requirement is identical!<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;Fees&#8221;][vc_column][vc_custom_heading text=&#8221;Annual Fee&#8221; el_id=&#8221;annual_fee&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;140095&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet World Elite Mastercard RBC<\/a><sup><sup>&reg;<\/sup><\/sup> has an annual fee of $139.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>The <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> has an annual fee of $199, but it&#8217;s waived for the first year thanks to its current welcome offer.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021 but&#8230;&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_westjet_rbc_world_elite_mastercard_but_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The annual fee for the <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021<\/a> is less than the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a>.<\/p>\n<p>However, with the current promotion refunding the annual fee for the first year, your preference will probably be for the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438105,164900\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\n<div class=\"card card-list\">\n\n\t<div class=\"card-list--grid\">\n\n\t\t<div class=\"card-list--card\">\n\t\t\t<div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n\t\t<\/div>\n\n\t\t<div class=\"card-list--title-offer\">\n\n\t\t\t<div class=\"card--title\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t\t<div class=\"card-list--offer\">\n\t\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<\/div>\n\n\t\t<\/div>\n\n\t\t<div>\n\t\t\t<div class=\"card--apply\">\n\t\t\t\t<div class=\"shimmer shimmer-btn\"><\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\n\t<\/div>\n\n<\/div>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Earning Points&#8221;][vc_column][vc_custom_heading text=&#8221;Earning Points&#8221; el_id=&#8221;earning_points&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021<\/a> and the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a> each offer different levels of point accumulation.<\/p>\n<p>[\/vc_column_text][vc_custom_heading text=&#8221;Accumulation Levels&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;accumulation_levels&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;140095&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the WestJet RBC<sup><sup>&reg;<\/sup><\/sup> World Elite Mastercard\u2021, you earn WestJet points on the following purchases:<\/p>\n<ul>\n<li><strong>2 WestJet points<\/strong> on flights with WestJet or WestJet Vacations<\/li>\n<li><strong>1.5 WestJet points<\/strong> on all regular purchases<\/li>\n<\/ul>\n<p>We <a href=\"https:\/\/milesopedia.com\/en\/points-miles-value-canada\/\" target=\"_blank\" rel=\"noopener\">value<\/a> a WestJet point at 1 cent.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*, you earn VIPorter points on the following purchases:<\/p>\n<ul>\n<li><strong>3 VIPorter points<\/strong> for every dollar spent on purchases with Porter<\/li>\n<li><strong>2 VIPorter points<\/strong> for every dollar spent:\n<ul>\n<li>Gas and transport<\/li>\n<li>At the grocery store and restaurant<\/li>\n<li>Hotel stays<\/li>\n<\/ul>\n<\/li>\n<li><strong>1 VIPorter point<\/strong> for every dollar spent on everything else.<\/li>\n<\/ul>\n<p>We value a VIPorter point at 1.5 cents.<\/p>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579508645{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_bmo_viporter_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>VIPorter points and WestJet points are two different kinds of points, each with different values:<\/p>\n<ul>\n<li>1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/viporter\/\" target=\"_blank\" rel=\"noopener\">VIPorter<\/a> point = $0.015<\/li>\n<li>1 <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/westjet-rewards\/\" target=\"_blank\" rel=\"noopener\">WestJet<\/a> point = $0.010<\/li>\n<\/ul>\n<p>So we have to do a little math to figure out which of the two accumulates the most value, depending on our consumption habits. Take the following examples:<\/p>\n<table style=\"height: 257px; width: 100%; border-collapse: collapse;\">\n<thead>\n<tr style=\"height: 143px;\">\n<td style=\"width: 22.2918%; height: 143px;\"> <\/td>\n<td style=\"width: 22.1971%; height: 143px; text-align: center;\">$100 at the grocery store or gas station<\/td>\n<td style=\"width: 28.963%; height: 143px; text-align: center;\">$100 for a purchase in an &#8220;Other&#8221; category (hardware, clothing, drugstore, etc.)<\/td>\n<td style=\"width: 14.0068%; height: 143px; text-align: center;\">Total value<\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 91px;\">\n<td style=\"width: 22.2918%; height: 91px;\">BMO VIPorter World Elite Mastercard<\/td>\n<td style=\"width: 22.1971%; text-align: center; height: 91px;\">\n<p><strong>200 VIPorter points<\/strong><\/p>\n<p>($100 x 2 points\/$1)<\/p>\n<\/td>\n<td style=\"width: 28.963%; text-align: center; height: 91px;\">\n<p><strong>100 VIPorter points<\/strong><\/p>\n<p>($100 x 1 point\/$1)<\/p>\n<\/td>\n<td style=\"width: 14.0068%; text-align: center; height: 91px;\">\n<p><strong>$4.50 <\/strong><\/p>\n<p>(300 points x 0.015)<\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 23px;\">\n<td style=\"width: 22.2918%; height: 23px;\">WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021<\/td>\n<td style=\"width: 22.1971%; height: 23px; text-align: center;\">\n<p><strong>150 WestJet points<\/strong><\/p>\n<p>($100 x 1.5 points)<\/p>\n<\/td>\n<td style=\"width: 28.963%; height: 23px; text-align: center;\">\n<p><strong>150 WestJet points<\/strong><\/p>\n<p>($100 x 1.5 points)<\/p>\n<\/td>\n<td style=\"width: 14.0068%; height: 23px; text-align: center;\">\n<p><strong>$3<\/strong><\/p>\n<p>(300 points x 0.01)<\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>At first glance, the gap seems small. However, the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* pays 50% more than its rival. Considering the accumulation of sums over a year, this difference can really be significant.  <\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row el_id=&#8221;use&#8221;][vc_column]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"442437,445341\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Redeeming Points&#8221; el_id=&#8221;redeeming_points&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>These two credit cards earn different points for different airline programs, but the principle remains the same when it comes to how you use them.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;For Travel&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;for_travel&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;140095&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>WestJet points earned with the <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup><sup>&reg;<\/sup><\/sup> World Elite Mastercard\u2021<\/a> are credited to the <a href=\"https:\/\/milesopedia.com\/en\/reward-program\/westjet-rewards\/\">WestJet Rewards<\/a> membership account.<\/p>\n<p>The WestJet member can then redeem these WestJet points to deduct all or part of the cost of:<\/p>\n<ul>\n<li>A vacation package with WestJet Vacations;<\/li>\n<li>When booking with Sunwing Vacations;<\/li>\n<li>The basic fare for a flight with WestJet;<\/li>\n<li>A flight with its partners (Air France, Delta Air Lines and Qantas Airways), with whom it has a <em>codeshare<\/em> agreement.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>Each month, VIPorter points earned with the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* are credited to the <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/destination-ideas-viporter-points\/\" target=\"_blank\" rel=\"noopener\">VIPorter<\/a> member account, a few days after the monthly statement is issued.<\/p>\n<p>Then, the VIPorter member can spend their VIPorter points to purchase an airline ticket on Porter flights, but also with two other partners:<\/p>\n<ul>\n<li><a href=\"\/?p=328287\" target=\"_blank\" rel=\"noopener\">Air Transat<\/a><\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/news\/programs\/new-exchange-points-viporter-air-transat-alaska-airlines\/\" target=\"_blank\" rel=\"noopener\">Alaska Airlines<\/a><\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_westjet_rbc_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>WestJet points are a little more flexible than VIPorter points, especially when it comes to purchasing WestJet vacation packages and the number of partners you can access. Plus, WestJet points can be used to pay for the entire ticket, even taxes and other fees. So when you pay with WestJet points, you get a totally free ticket.  <\/p>\n<p>This is not the case with Porter, where the territory is more limited and there is no travel agency for packages. In addition, the VIPorter program does not offer the option of paying taxes and fees with points. <\/p>\n<p>However, I recommend that you check the <a href=\"https:\/\/milesopedia.com\/en\/guide\/destinations-porter-airlines-viporter\/\">destinations<\/a> served by <a href=\"https:\/\/www.westjet.com\/en-ca\/flights\/route-map\" target=\"_blank\" rel=\"noopener\">Westjet<\/a> and <a href=\"https:\/\/www.flyporter.com\/en-ca\/book-flights\/where-we-fly\/route-map\" target=\"_blank\" rel=\"noopener\">Porter<\/a>. Someone living in Western Canada will find more routes available with WestJet, while someone living in Eastern Canada will have more choices with Porter.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"194291,435990\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[vc_custom_heading text=&#8221;Other Benefits&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; el_id=&#8221;other_benefits&#8221;][vc_row_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;140095&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup><sup>&reg;<\/sup><\/sup> World Elite Mastercard\u2021<\/a> you can also enjoy a number of other benefits:<\/p>\n<ul>\n<li>Complimentary first-checked baggage for you and up to 8 people travelling on the same reservation;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/westjet-companion-voucher-a-complete-guide\/\" target=\"_blank\" rel=\"noopener\">Companion voucher<\/a> issued each year after spending $5,000, allowing a guest to enjoy a reduced fare (taxes and fees payable):\n<ul>\n<li><span class=\"nowrap\">$119<\/span> or <span class=\"nowrap\">$219<\/span> for travel in Canada and the United States (except Hawaii)<\/li>\n<li><span class=\"nowrap\">$399<\/span> or <span class=\"nowrap\">$499<\/span> for other WestJet flights<\/li>\n<li>Or exchange it for 2 free accesses to <a href=\"https:\/\/www.westjet.com\/fr-ca\/aeroport\/salons\" target=\"_blank\" rel=\"noopener\">WestJet partner airport lounges<\/a>, a 30% discount on a flight for a solo traveler, or a $200 credit applicable to a WestJet Vacations or Sunwing package;<\/li>\n<\/ul>\n<\/li>\n<li>Link the RBC card to the Petro-Points program to save 3\u00a2 \/ liter on gas;<\/li>\n<li>Earn 20% more Petro-Points at Petro-Canada;<\/li>\n<li>Receive a $500 Power Up to other WestJet status levels for every $15,000 in net purchases;<\/li>\n<li>Earn 50 Be Well points\/dollar of eligible purchases at Rexall when paying with the card;<\/li>\n<li><a href=\"https:\/\/milesopedia.com\/en\/news\/travel\/mastercard-travel-pass-boingo-wifi-changes\/\">Free FlexiRoam data<\/a> with Mastercard Travel Pass;<\/li>\n<li>Free 12-month subscription to DoorDash DashPass, with unlimited free shipping on orders of $15 or more, paid with the card.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;438079&#8243; alignment=&#8221;center&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>With the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*<\/a>, you can also take advantage of several other benefits:<\/p>\n<ul>\n<li>Benefits apply to a maximum of 8 companions travelling on the same reservation:\n<ul>\n<li><a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/free-baggage-porter\/\" target=\"_blank\" rel=\"noopener\"> First checked bag free<\/a><\/li>\n<li>Free carry-on baggage on all Porter flight fares<\/li>\n<li>Complimentary seat selection in PorterClassic.<\/li>\n<li>Priority security screening.<\/li>\n<li>Priority rebooking on another flight in case of a delay<\/li>\n<li>Exclusive check-in.<\/li>\n<li>Early boarding<\/li>\n<\/ul>\n<\/li>\n<li>No expiration of VIPorter points.<\/li>\n<li>One round-trip companion pass per year with a minimum purchase<\/li>\n<li>A second round-trip companion pass, thanks to the welcome offer.<\/li>\n<li>Automatically upgrade to <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/complete-guide-viporter-elite-status\/\" target=\"_blank\" rel=\"noopener\">Avid Traveller<\/a> status at VIPorter Horizon level<\/li>\n<li>Earn $1 in eligible spending towards a higher Avid Traveller status for every $25 spent<\/li>\n<li>7 cents off a liter of gasoline at Shell<\/li>\n<li>Free <a href=\"https:\/\/milesopedia.com\/en\/guide\/strategy\/how-dragonpass-works\/\" target=\"_blank\" rel=\"noopener\">Mastercard Travel Pass membership provided by DragonPass<\/a><\/li>\n<li>Up to 20% discount on car rentals with National, Alamo and up to 5% with Enterprise<\/li>\n<li>Up to 7% discount on hotel and property bookings with Booking.com.<\/li>\n<\/ul>\n<p>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579610554{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021 but&#8230;&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_westjet_rbc_world_elite_mastercard_but_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>These advantages are hard to beat!<\/p>\n<p>The <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard<\/a> stands out from its competitor because its companion voucher is obtained after $5,000 in spending on the card each year.<\/p>\n<p>The BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* stands out for its two <a href=\"https:\/\/milesopedia.com\/en\/news\/viporter-companion-pass\/\">annual companion passes<\/a>, which allow you to save on a second airline ticket.<\/p>\n<p>Unfortunately, you have to spend at least $9,000 to get the first companion pass through the welcome offer, and another $50,000 each year on the card for the second, which is quite high. This is a considerable sum compared to its competitor. <\/p>\n<p>In return, the BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* is virtually the only credit card in Canada that gives you high status with an airline, effortlessly. Additionally, it offers privileges such as priority at security, check-in and boarding, not to mention free seat selection. These benefits can greatly enhance your travel experience! <\/p>\n<p>As for the rest, it all depends on you and your personal needs.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438800\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row el_id=&#8221;Insurance&#8221;][vc_column][vc_custom_heading text=&#8221;Insurance&#8221; el_id=&#8221;insurance&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<table style=\"border-collapse: collapse; width: 100%; height: 307px;\">\n<thead>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 10px; text-align: center;\">Insurance<\/td>\n<td style=\"width: 26.2875%; height: 10px; text-align: center;\"><img class=\" wp-image-140094\" title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2019\/06\/rbc-westjet-we-en-450x284.png\" alt=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" width=\"160\" height=\"101\"><\/td>\n<td style=\"width: 23.7125%; height: 10px; text-align: center;\"><img class=\" wp-image-438078\" title=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" src=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2025\/03\/BMO-VIPorter-World-Elite-Mastercard.png\" alt=\"BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*\" width=\"225\" height=\"148\"><\/td>\n<\/tr>\n<\/thead>\n<tbody>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Trip Cancellation Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">None<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\"><strong>Up to $1,500 per person<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Trip Interruption Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $5,000 per trip<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to <strong>$5,000 per trip<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 48px;\">\n<td style=\"width: 33.3333%; height: 48px; text-align: center;\">Out-of-Province\/Country Emergency Medical Insurance<\/td>\n<td style=\"width: 26.2875%; height: 48px; text-align: center;\">No maximum, but must be at a reasonable cost, insured for 15 days.<\/td>\n<td style=\"width: 23.7125%; height: 48px; text-align: center;\">Up to <strong>$5,000,000<\/strong> for <strong>21 days<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Flight delay insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $500<br \/>after 4 hours<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $500 after 4 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Delayed Baggage Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\"><strong>Up to $500 per person<\/strong><br \/><strong>after 4 hours<\/strong><\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $500 per person<br \/>after 6 hours<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Lost or stolen luggage insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $500* <em>see conditions<\/em><\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $500 per person<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Hotel Burglary Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to <strong>$2,500<\/strong><\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $1,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Car Rental Theft and Damage Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">Up to $65,000<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">Up to $65,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Travel Accident Insurance<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">$500,000<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">$500,000<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 24px; text-align: center;\">Purchase Protection Plan<\/td>\n<td style=\"width: 26.2875%; height: 24px; text-align: center;\">1 additional year<\/td>\n<td style=\"width: 23.7125%; height: 24px; text-align: center;\">1 additional year<\/td>\n<\/tr>\n<tr style=\"height: 24px;\">\n<td style=\"width: 33.3333%; height: 10px; text-align: center;\">Buyer\u2019s Assurance Protection Plan<\/td>\n<td style=\"width: 26.2875%; height: 10px; text-align: center;\">90 days<\/td>\n<td style=\"width: 23.7125%; height: 10px; text-align: center;\">90 days<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1605579523801{padding-top: 1em&nbsp;!important;padding-right: 1.5em&nbsp;!important;padding-bottom: 1em&nbsp;!important;padding-left: 1.5em&nbsp;!important;background-color: #e1eaef&nbsp;!important;}&#8221;][vc_column][vc_custom_heading text=&#8221;Advantage: BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>*&#8221; font_container=&#8221;tag:h5|text_align:center&#8221; css=&#8221;&#8221; el_id=&#8221;advantage_bmo_viporter_world_elite_mastercard_&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>The two cards are very similar in terms of insurance.<\/p>\n<p>The BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* offers a few more generous coverages than its competitor. In addition, it offers trip cancellation insurance, which the WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021 card does not. <\/p>\n<p>The BMO VIPorter World Elite<sup>&reg;<\/sup>* Mastercard<sup>&reg;<\/sup>* requires that the cost of the travel expense be charged to the card the majority of the time (except for <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/cancellation-interruption-travel-credit-cards\/\" target=\"_blank\" rel=\"noopener\">cancellation and interruption<\/a> insurance, which requires only a portion). However, its insurance coverage for medical expenses is among the best for its duration.<\/p>\n<p>If you want a credit card that covers your travels, even when only a small portion of the expenses have been charged to it, I recommend this article on <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/insurance\/best-cards-credit-rewards-insurance\/\">The best credit cards for travel insurance with rewards points<\/a>.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"87931\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221; el_class=&#8221;checkmarks&#8221;]<\/p>\n<p>So? Which card is the winner? In addition to the possibility of both being used at Costco, you have a choice.<\/p>\n<p>For its great flexibility thanks to WestJet points, the <a title=\"WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021\" href=\"https:\/\/milesopedia.com\/en\/go\/westjet-world-elite-mastercard-rbc\/\" rel=\"noindex\">WestJet RBC<sup>&reg;<\/sup> World Elite Mastercard\u2021<\/a> is distinguished by:<\/p>\n<ul>\n<li>A wide variety of destinations, especially if you live in Western Canada;<\/li>\n<li>Lower annual fees;<\/li>\n<li>Petro-Canada fuel rebates and free DashPass subscription;<\/li>\n<li>Accelerated points accumulation at Rexall and <a href=\"https:\/\/milesopedia.com\/en\/guide\/tutorials\/link-rbc-card-petro-points\/\" target=\"_blank\" rel=\"noopener\">Petro-Canada<\/a>;<\/li>\n<li>The flexibility of WestJet points for airfare or to pay for your <a href=\"https:\/\/milesopedia.com\/en\/guide\/experiences\/all-inclusive-best-credit-cards\/\" target=\"_blank\" rel=\"noopener\">All-inclusive<\/a> in the South;<\/li>\n<li>Its companion voucher is obtained annually after $5,000 in purchases charged to the card.<\/li>\n<\/ul>\n<p>While the <a title=\"BMO VIPorter World Elite Mastercard\" href=\"https:\/\/milesopedia.com\/en\/go\/bmo-viporter-world-elite-mastercard\/\" rel=\"noindex\">BMO VIPorter World Elite Mastercard<\/a> has a lot going for it:<\/p>\n<ul>\n<li>Its variety of destinations, especially if you live in Eastern Canada;<\/li>\n<li>Your annual fee is fully refunded in the first year thanks to our welcome offer;<\/li>\n<li>Redeem points for free flights to many destinations on Air Transat;<\/li>\n<li>Accelerated accumulation and VIPorter points;<\/li>\n<li>Easy access to VIPorter Venture status.<\/li>\n<li>Its discounts on fuel at Shell, car rentals, and hotels;<\/li>\n<li>His credit card with a cute raccoon mascot on top;<\/li>\n<li>Free cabin baggage and seat selection.<\/li>\n<\/ul>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='compare-v'\n\t\t\t\tdata-post_type='card'\n\t\t\t\tdata-per_page='2'\n\t\t\t\tclass='deferred_container--preload container_card container_template--compare-v container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"card_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438105,164900\"\n\t\t\t\t\t\t\tdata-utm=\"wpb\"\n\t\t\t\t\t\t\t>\n\t\t\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-3\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-3\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n<!-- Card Image \/ Title -->\n<div class=\"card-compare--card card-compare--card-1\">\n    <div class=\"card-compare-v-item\">\n\n        <div class=\"shimmer shimmer-circle\"><\/div>\n\n        \n<!-- Title -->\n        <div class=\"card-compare-v-title\">\n            <div class=\"shimmer-dark shimmer-bar\"><\/div>\n        <\/div>\n        \n<!-- Card Image -->\n        <div class=\"card-graphic-cta shimmer shimmer-card\"><\/div>\n        \n<!-- CTA -->\n        <div class=\"shimmer shimmer-btn\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Welcome offer -->\n<div class=\"card-compare--offer card-compare--offer-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Value -->\n<div class=\"card-compare--value card-compare--value-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\n\n<!-- Annual Fee -->\n<div class=\"card-compare--annual-fee card-compare--annual-fee-1\">\n    <div class=\"card-compare-v-item\">\n        <div class=\"shimmer-dark shimmer-bar\"><\/div>\n    <\/div>\n<\/div>\t\t<\/div>\n\n\t\t<\/div><div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s container_count--2'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"438148,483233\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article><article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Here&#8217;s our detailed comparison between the BMO VIPorter World Elite Card and the WestJet RBC World Elite Card.<\/p>","protected":false},"author":127,"featured_media":446390,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[45831],"tags":[],"mc_loyalty_program":[49123,713],"class_list":["post-446573","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","mc_issuer-american-express-canada-en","mc_issuer-td-en","mc_loyalty_program-viporter-en","mc_loyalty_program-westjet-rewards","mc_market-all-of-canada","post_region-north-america","tutorial-comparisons","travel_type-intermediate"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":100492,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- 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