BMO VIPorter World Elite®* Mastercard®* 

Welcome Bonus
70,000 Points + one round-trip companion pass
Ends Jul 1, 2025
  • Porter Benefits
  • Premium Insurance
  • Accepted at Costco
Annual Fee
$199
First Year Annual Fee Rebate (terms apply)
Interest rates
Purchase Rates
21.99 %
Cash Advance Rates
23.99 %
21.99 % (QC)
Balance Transfer Rates
23.99 %
21.99 % (QC)

BMO VIPorter World Elite Mastercard
BMO VIPorter World Elite®* Mastercard®*
70,000 Points + one round-trip companion pass
Ends Jul 1, 2025
Apply Now

Offer

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

Benefits

  • Automatically become an Avid Traveller (VIPorter Venture)
  • A round-trip companion pass per year*
  • 1 complimentary checked bag*
  • 1 complimentary carry-on bag on all Porter fare types*
  • Free PorterClassic seat selection*
  • Priority security*
  • Priority re-accommodation for flight delays*
  • Dedicated check-in*
  • Early boarding*
  • No VIPorter points expiry*
  • Earn $1 of Qualifying Spend for every $25 spent*

*This benefit applies to up to 8 companions travelling on the same booking

Travel insurance

  • 21-day out-of-province or country emergency medical insurance
  • Trip Cancellation/Interruption/Delay insurance
  • Car rental-collision/loss damage insurance
  • Common carrier insurance
  • Flight delay insurance
  • Baggage insurance
  • Hotel burglary insurance

Purchase Insurance

  • Shop confidently with an extended warranty and purchase protection

Other Benefits

  • Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.* Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register*
  • 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.
  • Get 20% off admission to Cirque du Soleil shows touring Canada* and 15% off resident shows in Las Vegas
  • 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.*

Fees & Conditions

Personal Income $80,000
Household Income $150,000
Annual Fee $199
First Year Annual Fee Rebate
First Additional Card $50
Other Additional Card $50
Foreign Transaction Fee 2.5%
Purchase Rates 21.99%
Cash Advance Rates 23.99%
Balance Transfer Rates 23.99%
Cash Advance Rate (QC) 21.99%
Balance Transfer Rates (QC) 21.99%

Value

Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value

Advantages

Offer ends on Jul 1, 2025
Welcome Bonus amount 70,000 Points + one round-trip companion pass
Minimum Spending Required $18,000
Minimum Spending Timeframe (Months) 12 month(s)
Priority Check-In
Priority Boarding
Costco

Earnings

Per dollar of purchases

All Spending 1 Point
Groceries 2 Points
Gas 2 Points
Dining and Food delivery 2 Points
Convenience Stores 2 Points
Drugstores 1 Point
Local Transport 2 Points
Travel 1 Point
Entertainment 1 Point
Recurring Payments 1 Point
Telecom/Internet 1 Point
Streaming services 1 Point
Online transactions 1 Point
Office Supplies 1 Point

Insurance

Travel Insurance

Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
21 day(s)
Travel medical insurance up to 64 years old
21 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance

There may be a daily maximum amount depending on the type of fees paid

Other Insurance

Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
4.25 Milesopedia Rating