When BMO and Porter Airlines announced in January 2025 that they would be collaborating on a line-up of co-branded Mastercards, we were excited to see what was coming. Porter Airlines continues to gain prominence in the Canadian aviation market, so it only makes sense that releasing a co-branded credit card would eventually be on their radar.
Let’s get into everything you need to know about the two new BMO Porter Airlines co-branded credit cards that landed today: the BMO VIPorter World Elite®* Mastercard®* and the BMO VIPorter Mastercard®∗.
BMO VIPorter World Elite®* Mastercard®*
The BMO VIPorter World Elite®* Mastercard®* is the more premium of the two new credit cards, and it currently offers a welcome bonus of up to 70,000 VIPorter points:
- Earn 20,000 VIPorter points upon spending $5,000 within 110 days
- Earn 20,000 VIPorter points and one companion pass† upon spending $9,000 within 180 days
- Earn 30,000 VIPorter points upon spending $18,000 within 365 days
The BMO VIPorter World Elite Mastercard offers benefits including VIPorter Venture membership and the opportunity to earn an annual round-trip companion pass through spending.
70,000 VIPorter Points
$18,000
$1,175+
$199 (FYF)
Yes
Jul 1, 2025
Similar to other World Elite Mastercards on the market, this card has a minimum annual personal income requirement of $80,000 or a minimum annual household income requirement of $150,000.
The BMO VIPorter World Elite Mastercard has an annual fee of $199, however, the first year annual fee is waived as part of the current welcome offer.
The BMO VIPorter World Elite Mastercard earns VIPorter points for all purchases made on the card at the following rates:
- 3 VIPorter points for every dollar spent on Porter purchases (on up to $20,000 spent per calendar year).
- 2 VIPorter points for every dollar spent on gas and transportation purchases (on up to $5,000 spent per calendar year).
- 2 VIPorter points for every dollar spent on groceries and dining purchases (on up to $10,000 spent per calendar year).
- 2 VIPorter points for every dollar spent on hotel accommodation purchases (on up to $5,000 spent per calendar year).
- 1 VIPorter point for every dollar spent everywhere else.
BMO VIPorter World Elite Mastercard cardholders will receive VIPorter Avid Traveller Venture Membership which includes earning 6 points per dollar spent on Porter Airlines flights and the following benefits for the cardholder and up to eight guests on the same itinerary:
- 1 complimentary checked bag
- 1 complimentary carry-on bag on all Porter fare types
- Free PorterClassic seat selection
- Priority re-accommodation for flight delays
- Priority check-in, security, and early boarding
Cardholders can also earn an annual round-trip Porter companion pass that gives an additional passenger flying on the same booking 100% off the base fare of any Porter flight after spending $50,000 annually on the card.
Cardholders will also earn $1 of Avid Traveller Qualifying Spend for every $25 that is spent on the card, allowing them to work towards the next level of Porter Airlines VIPorter status by spending on their credit card.
This card comes with a suite of insurance coverage, including 21-day out-of-province or country emergency medical insurance, car rental-collision/loss damage insurance, trip cancellation insurance, trip interruption insurance, common carrier insurance, flight delay insurance, baggage insurance, hotel burglary insurance, purchase security, and extended warranty insurance. Refer to the certificate of insurance for additional details, including terms and conditions for eligibility.
Click here to apply for the BMO VIPorter World Elite Mastercard with a $125 FlyerFunds Rebate!
BMO VIPorter Mastercard® *
The BMO VIPorter Mastercard®* is the other new Porter Airlines co-branded credit card now on the market, and it currently offers a welcome bonus of up to 40,000 VIPorter points:
- Earn 10,000 VIPorter points upon spending $3,000 within 110 days
- Earn 15,000 VIPorter points and one 35% off flight voucher† upon spending $6,000 within 180 days
- Earn 15,000 VIPorter points upon spending $10,000 within 365 days
The BMO VIPorter Mastercard offers benefits including VIPorter Passport membership and the opportunity to earn an annual 35% base fare discount voucher through spending.
40,000 VIPorter Points
$10,000
$675+
$89 (FYF)
Yes
Jul 1, 2025
This card does not have any minimum annual personal or household income requirements. The BMO VIPorter Mastercard has an annual fee of $89, however, the first year annual fee is waived as part of the current welcome offer.
The BMO VIPorter Mastercard earns VIPorter points for all purchases made on the card at the following rates:
- 2 VIPorter points for every dollar spent on Porter purchases (on up to $10,000 spent per calendar year).
- 1 VIPorter point for every dollar spent on gas and transportation purchases (on up to $3,000 spent per calendar year).
- 1 VIPorter point for every dollar spent on groceries and dining purchases (on up to $5,000 spent per calendar year).
- 1 VIPorter point for every dollar spent on hotel accommodation purchases (on up to $3,000 spent per calendar year).
- 0.5 VIPorter points for every dollar spent everywhere else.
BMO VIPorter Mastercard cardholders will receive VIPorter Avid Traveller Passport Membership which includes earning 6 points per dollar spent on Porter Airlines flights and the following benefits for the cardholder and up to eight guests on the same itinerary:
- Priority re-accommodation for flight delays
- Dedicated check-in
- Early boarding
Cardholders can also earn an annual voucher for 35% off the base fare on any Porter flights for up to four people when spending at least $25,000 annually on the card.
Cardholders will also earn $1 of Avid Traveller Qualifying Spend for every $25 that is spent on the card, allowing them to work towards the next level of Porter Airlines VIPorter status by spending on their credit card.
This card comes with a suite of insurance coverage, including 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 security, and extended warranty insurance. Refer to the certificate of insurance for additional details, including terms and conditions for eligibility
Click here to apply for the BMO VIPorter Mastercard with a $75 FlyerFunds Rebate!
Our Thoughts On The New BMO Porter Airlines Co-Branded Credit Cards
Previously, only Air Canada and WestJet offered co-branded airline credit cards, so the Porter Airlines co-branded credit cards now offered by BMO add another layer of competition in the Canadian credit card market. This is an excellent development for consumers, as more choice and competition tend to lead to better products, and the Porter Airlines co-branded credit cards have come out of the gate swinging.
As a Canadian, the VIPorter loyalty program is worth paying even more attention to now than ever before, as you can now earn VIPorter points simply by swiping a credit card and without needing to fly on Porter Airlines.
The fact that you can earn the mid-tier VIPorter Venture status, which would normally require $3,000 spent on Porter Airlines flights (excluding taxes and fees), simply for holding the BMO VIPorter World Elite Mastercard is an excellent value proposition. VIPorter status is valuable and can result in significant savings when flying Porter Airlines through the perks it offers.
Even better, the benefits earned by that status apply to the cardholder and up to eight guests on the same itinerary, making it a great choice for families or friends who often travel together.
We believe that both of these cards are excellent additions to the Canadian marketplace and that BMO has exceeded our expectations as to what we had in mind when we first heard that these new products would be launching.
Conclusion
We are excited to see two new airline co-branded credit cards on the market and are impressed with the bonuses and benefits that are being offered. Simply put, if you are a regular Porter Airlines passenger, this is a credit card worth considering.
With quite a few members of the Frugal Flyer team already having positive experiences with Porter Airlines, there is no doubt a few of us will be looking to add one of these new cards to our wallet sooner rather than later.
Josh Bandura
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