Overview of the BMO VIPorter World Elite®* Mastercard®

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3 points/$1

On every $1 spent on Porter purchases

2 points/$1

On every $1 spent on gas, transportation, groceries, dining and hotel accommodations

1 point/$1

On every $1 spent everywhere else

Welcome bonus: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend. *Plus no annual fee in your first year*
Annual fee: $199 (first year waived)
Reward: Earn 3x points on every $1 spent on Porter purchases, 2x points on every $1 spent on gas, transportation, groceries, dining and hotel accommodations, 1x points on every $1 spent everywhere else
Average point value: $0.034
Purchase interest rate: 21.99%
Cash advance interest rate: 23.99%
Balance transfer interest rate: 23.99%
Minimum income: $80K/yr
Household income: $150K/yr
Payment network: Mastercard
Provider: Bank of Montreal
Card type: Travel

Detailed card summary

Welcome offer: Get up to $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*Plus no annual fee in your first year*
Earn 3 points for every $1 spent on Porter purchases
Earn 2 points for every $1 spent on gas and transportation, Earn 2 points for every $1 spent on groceries and dining*, Earn 2 points for every $1 spent on hotel accommodations, Earn 1 point for every $1 spent everywhere else
1 complimentary checked bag*, 1 complimentary carry-on bag on all Porter fare types*, free PorterClassic seat selection*, priority re-accommodation for flight delays*,and priority check-in, security, and early boarding.*
- *These benefits apply to up to 8 companions travelling on the same booking
Plus, no VIPorter points expiry*, earn $1 of qualifying spend for every $25 spent*, and Automatically become an Avid Traveller.*
Your BMO VIPorter credit card comes with comprehensive travel coverage including:
- 21-day out-of-province or country emergency medical insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight delay insurance
- Baggage insurance
- Hotel burglary insurance*”

Complimentary membership in Mastercard Travel Pass provided by DragonPass.*
Save up to 20% on National Car Rental®†† and Alamo Rent A Car®†† and up to 5% on Enterprise Rent-A-Car®†† at locations worldwide using the Car Rental Booking tool
Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.*
Shop with extended warranty and purchase protection.*
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Balance Transfer & Cash Advance: 21.99% for Quebec residents