BMO VIPorter World Elite®* Mastercard®*
on BMO's website
Pros & Cons
Pros
- +First Year Annual Fee Rebate ($199 annual fee rebated)
- +Welcome Bonus: 70,000 points
- +Airport lounge access
Cons
- –Foreign Transaction Fee (2.5%)
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.
Offer ends: 2026-06-30
Rewards
All Spending
1x
Porter VIPorter pts per dollar
Groceries
2x
Convenience
2x
Transit
2x
Gas
2x
Restaurants
2x
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
Points Earned
45,600
Porter VIPorter/yr
Estimated Value
$684
After Fees
+$684
1st Year Value
$1,734
incl. welcome bonus
Annual rewards breakdown
- Earn 70,000 Porter VIPorter after $18,000 in purchases in 12 months
Travel Insurance
Travel Medical
Included
Trip Cancellation
Included
Trip Interruption
Included
Delayed Baggage
Included
Lost Baggage
Included
Flight Delay
Included
Hotel Burglary
Included
Travel Accident
Included
Purchase Protection
Purchase Protection
Included
Extended Warranty
+1 year(s)
Auto Rental
Included
Interest Rates
- Purchase Rate21.99%
- Cash Advance23.99%
- Foreign Transaction Fee2.5%
Perks & Benefits
Airport Lounge
0 visits/year
Priority Boarding
Included
Eligibility
Personal Income
$80,000
Household Income
$150,000
Terms & Conditions
Card Features
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.
Legal
†Conditions apply.
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Conditions apply. All information is believed accurate but not guaranteed. Card details, rewards, and offers are subject to change at any time. Always verify the latest terms on the issuer’s website before applying. François Charron may receive compensation through affiliate links. This does not affect our editorial choices or card rankings. © 2026 BMO. All trademarks are property of their respective owners.