Visa

BMO VIPorter World Elite Mastercard

BMO · BMO Rewards

A BMO Rewards card co-branded with Porter Airlines. Targeted at Porter travellers with $80K+ income and a $199 annual fee.

$199/yr

Annual Fee

First year waived

Best Earn

2.5%

FX Fee

$80,000

Min. Income

Current Offer

up to 70,000 BMO Rewards points

Spend requirement: $9,000 in 6 months

20,000 BMO Rewards

Apply for the BMO VIPorter World Elite Mastercard

You'll be taken to the issuer's secure application page.

Bonus Tiers Breakdown

This card has a multi-tier welcome offer — here's how to earn the full bonus.

30,000 BMO Rewards

Spend $18,000 in 12 months

Earn Rates

Porter

3xpoints

3×

Gas & Transit

1xpoints

1×

Dining & Groceries

1xpoints

1×

Travel

2xpoints

2×

Groceries

2xpoints

2×

Dining & restaurants

2xpoints

2×

Everything Else

1xpoints

1×

Porter purchases (flights, baggage, travel expenses)

3xpoints

3 points per $1

Travel (gas, transportation)

2xpoints

2 points per $1

Groceries & dining

2xpoints

2 points per $1

Hotel accommodations

2xpoints

2 points per $1

All other purchases

1xpoints

1 point per $1

Insurance & Protection

Trip cancellation — $5,000/trip · charge required · Points redemptions eligible, settled through reinstatement of points

Trip interruption — $10,000/trip · charge required

Baggage delay/loss — $1,000 total

Rental car collision — CDW/LDW · MSRP ≤ $65,000 · up to 48 days

Purchase protection — 90-day coverage

Extended warranty

Pros

Earn BMO Rewards points on purchases
Comprehensive travel insurance coverage
Premium card benefits and services
No minimum income requirement

Cons

$150 annual fee
Points system less flexible than cashback
Mastercard not Visa as specified

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