BMO VIPorter Mastercard®
Not yet rated
Best for Travel
Travel
Welcome bonus – Earn up to $600 in first-year bonuses.
Card highlights
Welcome bonus
Rewards & bonuses
See what you could earn based on how you spend.
Welcome bonus
Earn up to $600.
Get up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher.* Plus no annual fee in your first year
Earn rates
1 point/$1
On every $1 spent on gas, transportation, groceries, dining, (including fast food & drinks) and hotel accommodations*
2 points/$1
On every $1 spent on Porter purchases*Up to $833 / month, then 0.5 points/$1
0.5 points/$1
On every $1 spent everywhere else**
Caps apply where shown. Rewards are earned on eligible purchases only, see the card’s terms for full details. 67 points = $1.
Your earning potential
First year reward
Based on spending $2,200/mo after $89 annual fee
Second year reward
Based on spending $2,200/mo after $89 annual fee
These numbers are based on estimations and the calculation breakdown below.
Adjust your spending
First year reward†
- If you spend $2,200/month, you’ll earn
- Welcome bonus
- Annual feefirst year waived
- First year reward
Second year reward†
- If you spend $2,200/month, you’ll earn
- Annual fee
- Second year reward
† Estimate calculated by Ratehub.ca and is based on current offers and a monthly spend of $2,200. It is for illustrative purposes only.
Perks & insurance
Perks and insurance coverage included with the card.
| Perks | Details | |
|---|---|---|
| Lounge access | Not included | You’ll gain complimentary passes to airport lounges. The number of passes and lounges you have access to will vary. |
| No foreign exchange fees | Not included | A surcharge that credit card holders pay for purchases made in a foreign currency (typically 2.5%). |
| Extended warranty | doubles the original manufacturer’s warranty to a maximum extension of one (1) year | Either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year, whichever is less. |
| Price protection | Not included | If, within a certain amount of time of purchasing an item, its price drops or you find an identical item offered for a lower retail price than what you paid, you will be reimbursed for the difference. |
| Insurance | Details | |
|---|---|---|
| Travel accident insurance | Up to $500,000 per insured person | If you suffer a loss as a result of an accidental bodily injury sustained while occupying a common carrier, you are eligible for this coverage. |
| Travel emergency medical | Up to $5,000,000 per insured person, per trip; Eight (8) consecutive days of coverage per trip, if you are age sixty-four (64) or under on your departure date | If you require urgent medical care while on a trip outside of your home province, you will be covered for any eligible medical expenses incurred. |
| Car rental insurance | up to 48 consecutive days; (MSRP) of up to $65,000 | Credit card rental car insurance usually covers theft, loss and damage to your rental car in the case of an accidental collision. |
| Trip cancellation | Not included | If you have to cancel your trip before it’s even started, your prepaid travel costs will be covered up to a maximum amount if the cause of cancellation is eligible for the insurance. |
| Trip interruption | Not included | If your trip has to be cut short or is delayed after the scheduled departure date, you will be covered up to a maximum amount for an eligible cause of interruption or delay. |
| Flight delay insurance | Up to a maximum of $500 per trip for all insured persons combined, in the event of a flight delay of more than four (4) hours | If your flight departure is delayed by a certain number of hours, you’ll be reimbursed a certain amount for necessary and reasonable expenses. |
| Baggage loss insurance | up to $500 per insured person to a maximum of $1,000 per trip for all insured persons combined | If your checked bag cannot be located by a common carrier, you’ll be reimbursed for a portion of the replacement cost of lost personal property. |
| Baggage delay insurance | up to $500 per insured person, to a maximum of $1,000 per trip for all insured persons combined | If your checked bag is not delivered within a specified time upon your arrival, you’ll be reimbursed for the cost to replace essential items. |
| Hotel/motel burglary | Up to $1,000 per occurrence for all insured persons combined | Provides protection, while you’re checked in, for your personal belongings when left unattended in your room up to a certain dollar amount. |
| Mobile insurance | Not included | Reimburses a portion of your cell phone in the event it’s damaged or lost. Device coverage is limited to a certain period of time after purchasing with your credit card. |
| Purchase assurance | up to ninety (90) days from date of purchase | Automatically protects new purchases by insuring them for 90 days from the date of purchase in the event of loss, theft or damage. |
Details & eligibility
Fees
- Annual fee
- $0 for the first year, then $89 per year after
Rates
- Purchase interest
- 21.99%
- Balance transfer rate
- 23.99%
- Cash advance rate
- 23.99%
Type
- Provider
- Bank of Montreal
- Card type
- Travel
- Payment network
- Mastercard
Eligibility
- Minimum personal income
- N/A
- Minimum household income
- N/A
- Minimum credit score
- N/A