BMO VIPorter Mastercard

BMO·Mastercard·VIPorter·🇨🇦 Canada

Annual fee

$89/yr

Welcome bonus

$600 value

Base earn rate

0.5× on everything

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Reward estimates are based on published earn rates and may vary. Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based on your spending data, not commissions. Butter provides information and tools, not financial advice.

Earn rates by category

⛽Gas & Fuel

1×

🚌Transit & Rideshare

1×

🛒Groceries

1×

🍽️Dining & Restaurants

1×

✈️Travel

1×

💳Everything else

0.5×

Card details

Annual fee$89/yr

No foreign transaction fee✗ No

Point value1.5¢/pt

NetworkMastercard

Welcome bonus

~$600 value

Spend $10,000 in 365 days of account opening. Up to 40,000 VIPorter points with $10,000 spend in year 1, plus a 35% off flight voucher. Annual fee waived year 1. Rotates - re-verify.

⚠ Bonus offers change frequently — verify current offer before applying.

Rate details & caps ›

2xVIPorter points on Porter Airlines purchases.

1xon gas, transportation, groceries, dining and hotels.

0.5xon everything else. No caps published.

Is this card right for you?

The entry-level Porter Airlines co-brand: lower fee and lower earn than the World Elite tier, for occasional Porter flyers who still want a taste of VIPorter points.

Where it wins

✓

Occasional Porter flyers who want a no-frills way to earn toward flights.

Where it falls short

You fly Porter often

the World Elite tier's higher earn and companion pass likely pay for its fee.

You rarely fly Porter at all.

Watch-outs The $89 fee is waived only in year one. · 0.5x on non-bonus spend is a low base rate.

Annual fee

$89

FX fee

2.5%

Income

See issuer

Points worth

1.5–2¢/pt

Redeem for

Travel

Verified 2026-07-20 · confidence: highIssuer source →

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Butter may earn a referral fee when you apply through our links, including through partner networks. This never affects our recommendations, which are based solely on your spending data, not commissions. Butter provides information and tools, not financial advice. Card details such as earn rates, fees and bonuses may change. Verify on issuer's site → Always confirm with the issuer before applying.