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The BMO VIPorter Mastercard offers benefits including VIPorter Passport membership and the opportunity to earn an annual 35% base fare discount voucher through spending.
Rewards Rates
The BMO VIPorter Mastercard earns VIPorter Points for all purchases made on the card:
- 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.
Once the spending threshold for a specific category is reached in a calendar year, all other spending in that category will earn 0.5 VIPorter points per dollar spent.
Redeeming VIPorter Points
VIPorter points can be redeemed for flights on Porter Airlines and select partner airlines. Porter Airlines flight awards are dynamically priced, and redeeming VIPorter points only cover the base fare portion of the ticket, so the passenger will still need to pay applicable taxes and fees.
Benefits
VIPorter Avid Traveller Passport Membership Status
BMO VIPorter Mastercard cardholders will receive complimentary Passport Membership status within the VIPorter loyalty program. Members with Passport status will earn 6 points per dollar spent on Porter Airlines flights and will receive 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
Earn an Annual 35% Base Fare Discount Voucher
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.
Earn Qualifying Spend Towards Status
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.
Insurance Coverage
The BMO VIPorter Mastercard offers the following insurance coverages:
- Out-of-province or country emergency medical insurance: $5,000,000 coverage for the first 8 days of any out-of-province trips for travelers aged 64 or under
- Rental car collision and loss damage insurance: Comprehensive coverage for cars up to $65,000 MSRP
- Common carrier insurance: $500,000 of accidental death and dismemberment coverage
- Flight delay insurance: $500 per trip for all insured persons combined in the event of a flight delay of more than four hours
- Lost, stolen, or damaged baggage insurance: $500 per person coverage for emergency purchases when your baggage is lost or delayed, up to an overall maximum of $1,000 per trip
- Baggage delay insurance: $500 per person coverage for emergency purchases when your baggage is lost or delayed, up to an overall maximum of $1,000 per trip
- Hotel burglary insurance: $1,000 coverage for stolen items per occurrence
- Purchase security: Coverage for accidental physical damage or theft for 90 days from the date of purchase
- Extended warranty insurance: Extend the manufacturer’s original warranty up to one additional year
Refer to the BMO VIPorter Mastercard certificate of insurance for additional details, including terms and conditions for eligibility.
Top Cards From BMO
| Credit Card | ||
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70,000 VIPorter Points and $125 FlyerFunds Estimated value: $1,175 Ends Jul 1, 2025 |
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7,000 AIR MILES and $75 FlyerFunds Estimated value: $1,125 Ends Jun 1, 2026 |
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120,000 BMO Rewards and $100 FlyerFunds Estimated value: $904 Ends Jun 1, 2025 |
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90,000 BMO Rewards and $75 FlyerFunds Estimated value: $678 Ends Jun 1, 2025 |
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60,000 BMO Rewards and $75 FlyerFunds Estimated value: $477 Ends Jun 1, 2025 |
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