Offers
Welcome Bonus
Eligible new applicants for the BMO VIPorter World Elite Mastercard can receive 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
FlyerFunds Rebate
Plus, if you apply for the BMO VIPorter World Elite Mastercard through Frugal Flyer and are approved, you can receive an additional $125 paid directly to you.
Earning VIPorter Points
The BMO VIPorter World Elite Mastercard earns VIPorter Points for all purchases made on the card:
- 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.
Once the spending threshold for a specific category is reached in a calendar year, all other spending in that category will earn 1 VIPorter point 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 Venture Membership Status
BMO VIPorter World Elite Mastercard cardholders will receive complimentary Venture Membership status within the VIPorter loyalty program.
Members with Venture 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:
- 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
Earn an Annual Round-Trip Companion Pass
BMO VIPorter World Elite Mastercard cardholders can 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.
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.
Instacart+ & Monthly $10 Credit
Cardholders who enroll their BMO VIPorter World Elite Mastercard can enjoy six months of Instacart+ and a $10 monthly Instacart credit.
Fees & Eligibility
| Personal Income | $80,000 |
| Household Income | $150,000 |
| Annual Fee | $199 |
| Foreign Exchange Fee | 2.50% |
| Purchase Rate | 21.99% |
| Cash Advance Rate | 23.99% |
| Balance Transfer Rate | 23.99% |
Insurance Coverage
The BMO VIPorter World Elite Mastercard offers the following insurance coverages:
- Out-of-province or country emergency medical insurance: $5,000,000 coverage for the first 21 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
- Trip cancellation insurance: $1,500 per covered person per trip, up to an overall $5,000 maximum
- Trip interruption & trip delay insurance: $2,000 per covered person per trip, up to an overall $10,000 maximum
- 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 World Elite Mastercard certificate of insurance for additional details, including terms and conditions for eligibility.
Other BMO Cards
| Credit Card | ||
|---|---|---|
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200,000 BMO Rewards points and $100 FlyerFunds Estimated value: $1,440 Ends Oct 31, 2026 |
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7,000 AIR MILES and $125 FlyerFunds Estimated value: $1,175 Ends Jun 1, 2026 |
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100,000 BMO Rewards points and $125 FlyerFunds Estimated value: $795 Ends Oct 31, 2026 |
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40,000 VIPorter points and $100 FlyerFunds Estimated value: $700 Ends Jan 31, 2026 |
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$480 cash back and $125 FlyerFunds Estimated value: $605 Ends Oct 31, 2026 |
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Legal
BMO is not responsible for maintaining the content on this site. Please click on the Apply Now link for the most up-to-date information.
*Terms and conditions apply.
Applicants should know that this card doesn’t reward spend the way other cards do.
The 20,000 points (for $5k spend) will not be posted until after 110 days, even if the spend is achieved much earlier.
The next 20,000 points (for $9k cumulative spend) will not be posted until 180 days after approval, even if the spend is achieved much earlier.
The next 30,000 points (for $18k cumulative spend) will not be posted until 365 days after approval, even if the spend is achieved much earlier.