BMO VIPorter Mastercard^®*

The BMO VIPorter Mastercard®* is a great card for frequent flyers with Porter Airlines who don't qualify for the BMO VIPorter World Elite®* Mastercard®*, with strong earning rates and great perks & benefits for Porter Airlines.

The BMO VIPorter Mastercard®* is currently offering a welcome bonus of up to 40,000 VIPorter points, which are awarded in three chunks as follows:

• Earn 10,000 VIPorter points upon spending $3,000 in the first 110 days
• Earn 15,000 VIPorter points upon spending $6,000 in the first 180 days
• Earn 15,000 VIPorter points upon spending $10,000 in the first 365 days

This card comes with an annual fee of $89, which is rebated in the first year as part of this offer. Supplementary cardholders cost $35 apiece, and you'll enjoy an annual fee rebate for up to three authorized users as part of this offer.

The BMO VIPorter World Elite®* Mastercard®* has a three-tiered earning structure, which allows you to earn VIPorter points on your daily spending that you can then redeem for travel with Porter Airlines and its partner airlines. The card's earning rates are broken down as follows:

• Earn 2 VIPorter points per dollar spent on Porter purchases
• Earn 1 VIPorter point per dollar spent on gas, transportation, dining, groceries, and hotels
• Earn 0.5 VIPorter point per dollar spent on all other eligible purchases

• Earn 2 VIPorter points per dollar spent on up to $10,000 of Porter purchases (and earn 0.5 VIPorter points per dollar spent thereafter)
• Earn 1 VIPorter point per dollar spent on up to $3,000 of gas & transportation purchases (and earn 0.5 VIPorter points per dollar spent thereafter)
• Earn 1 VIPorter point per dollar spent on up to $5,000 of dining and grocery purchases (and earn 0.5 VIPorter points per dollar spent thereafter)
• Earn 1 VIPorter point per dollar spent on up to $3,000 of hotel purchases (and earn 0.5 VIPorter points per dollar spent thereafter)

You'll earn VIPorter points on the BMO VIPorter Mastercard®*, which can be redeemed for flights with Porter Airlines and its partners.

The VIPorter program doesn't publish an award chart, which means that you might see different prices for the same flight, depending on the demand. Plus, you aren't able to redeem them against the taxes and fees for your booking, so be prepared to pay a modest amount on each flight, which usually doesn't exceed $100 or so.

Porter Airlines has a growing network of flights across Canada and the United States, and it's likely that its route map will continue to grow as the airline expands its fleet.

Here's an idea of some of the lowest-level prices you can expect to pay for one-way flights using VIPorter points:

• Toronto–New York: 5,000 VIPorter points
• Toronto–Edmonton: 8,000 VIPorter points
• Toronto–Halifax: 7,000 VIPorter points
• Toronto–Vancouver: 8,000 VIPorter points
• Toronto–Miami: 7,000 VIPorter points
• Toronto–Los Angeles: 7,000 VIPorter points

If you're ready to make a redemption, be sure to compare all options at your disposal, and also check to see what the flight's corresponding cash value is to make sure you're happy with the value from your points.

The BMO VIPorter Mastercard®* comes with a handful of perks & benefits which are mostly specific to Porter Airlines.

All BMO VIPorter Mastercard®* cardholders are granted VIPorter Passport Avid Traveller status, which grants cardholders the ability to earn 6 VIPorter points per dollar spent. Plus, in the event of flight delays, you'll get priority re-accommodation over other passengers, and you'll also have priority check-in, security, and early boarding.

In the first year as a cardholder, you'll earn a 35% off voucher upon spending $6,000. Then, in subsequent years, you can earn one by spending $25,000 on your card each cardholder year.

The voucher gives the cardholder and up to three guests travelling on the same Porter Airlines flight 35% off the base fare on a booking.

If you fly with Porter Airlines often, your credit card spending will give your Avid Traveller status a boost, since you'll earn $1 in Qualifying Spend for every $25 spent on your card.

Your VIPorter points will never expire as long as you're a cardholder.

The BMO VIPorter Mastercard®* also includes Instacart-related benefits, which add real, everyday value if you already use grocery delivery.

Primary cardholders are eligible for:

• Three months of complimentary Instacart+ membership
• $5 Instacart credit each month, valid on orders of $35 or more
• Credits apply to non-alcohol purchases only and do not roll over month to month

The BMO VIPorter Mastercard®* comes with the following suite of insurance coverage:

• Emergency medical insurance: Up to $5 million of coverage for the first 8 consecutive days of your out-of-province or out-of-country trip, for travellers aged 64 or under.
• Flight delay insurance: Up to $500 total per trip (for all insured persons combined) if your flight is delayed 4+ hours, covering meals and accommodation.
• Lost or stolen baggage insurance: Up to $500 per person, to a maximum of $1,000 total per trip for all insured persons, for baggage lost, stolen, or accidentally damaged while checked in or carried on a common carrier.
• Baggage delay insurance: Up to $500 per person (max $1,000 per trip), if your baggage is delayed by 6+ hours during outbound travel, for the purchase of essential items.
• Hotel burglary insurance: Up to $1,000 per occurrence for stolen or damaged personal property caused by burglary of your travel accommodation.
• Travel accident insurance (Common Carrier): Up to $500,000 of Accidental Death and Dismemberment Insurance when travelling as a passenger on a licensed common carrier.
• Car rental theft and damage insurance: Comprehensive coverage for rental cars with an MSRP of up to $65,000, for up to 48 consecutive days, including loss, theft, towing, and loss-of-use charges.

• Purchase Security covers eligible items against theft or damage for 90 days from the date of purchase.
• Extended Warranty doubles the manufacturer’s warranty up to 1 additional year.
• The combined lifetime maximum for these two benefits is $60,000 per account.