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BMO VIPorter WE

BMO VIPorter World Elite Mastercard

BMO·Mastercard·VIPorter·🇨🇦 Canada
Annual fee
$199/yr
Welcome bonus
$1050 value
Base earn rate
1× 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

✈️Travel
2×
⛽Gas & Fuel
2×
🚌Transit & Rideshare
2×
🛒Groceries
2×
🍽️Dining & Restaurants
2×
💳Everything else
1×

Card details

Annual fee$199/yr
Additional card fee$50/yr
No foreign transaction fee✗ No
Point value1.5¢/pt
NetworkMastercard

Welcome bonus

~$1050 value
Spend $5,000 in 110 days of account opening. 20,000 at $5,000/110 days + 20,000 (+ companion pass) at $9,000/180 days + 30,000 at $18,000/365 days. Annual fee waived year 1. Offer to Oct 31 2026 - re-verify.
⚠ Bonus offers change frequently — verify current offer before applying.
Rate details & caps ›
3xVIPorter points on Porter Airlines purchases.
2xon hotels, gas, transportation, groceries and dining.
1xon everything else. No caps published.

Is this card right for you?

BMO's Porter Airlines co-brand: 3x VIPorter points at Porter, 2x on hotels, gas, transit, groceries and dining, with a welcome offer that includes a round-trip companion pass.

Where it wins
✓

Regular Porter Airlines flyers

the companion pass in the welcome offer alone can be worth hundreds.

✓

Toronto/Eastern Canada travellers on Porter's route network.

Where it falls short
✕

You rarely or never fly Porter

the 3x bonus category won't apply to your spending.

✕

You want broad airline flexibility; VIPorter is Porter-specific.

Watch-outs The $199 fee is waived only in year one. · Point value swings widely (0.5-3.5c) depending on redemption — plan to redeem for Porter flights to hit the top of that range.


Annual fee
$199
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.