
70,000 BMO Rewards points
Apply Now$590
First-year value
70,000
BMO Rewards points
$199
Annual fee
First Year Free
Based on minimum spend to earn the full welcome bonus and Prince of Travel's valuation of BMO Rewards points at 0.67 cents per point.
20,000 BMO Rewards points upon spending $5,000 in the first four months
20,000 BMO Rewards points upon spending $9,000 in the first six months
30,000 BMO Rewards points upon spending $18,000 in the first year
Total of up to 70,000 BMO Rewards points
Porter
(up to $20,000/year, 1x after)
Travel, Groceries & Dining
(up to $5,000/year, 1x after)
Everything Else
Last updated: December 19, 2025
The BMO VIPorter World Elite®* Mastercard®* is a must-have card for frequent flyers with Porter Airlines, and there's a strong argument to be made that it deserves a spot in many Canadians' wallets due to its strong welcome bonus, generous cardholder benefits, and more.
The BMO VIPorter World Elite®* Mastercard®* is currently offering a welcome bonus of up to 70,000 VIPorter points, which are awarded in three swaths broken down as follows:
This card comes with an annual fee of $199, which is rebated in the first year as part of this offer.
The BMO VIPorter World Elite®* Mastercard®* has a 3-2-1 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:
If you’d like to estimate how much value you’ll earn each month, feel free to use our rewards calculator below.

70,000 BMO Rewards points
Apply NowLast updated: December 19, 2025
You'll earn VIPorter points on the BMO VIPorter World Elite®* 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:
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 World Elite®* Mastercard®* comes packed with a number of perks & benefits which are mostly specific to Porter Airlines.
As a cardholder, you'll automatically be granted VIPorter Venture Avid Traveller status.
With Venture Avid Traveller status, you'll enjoy a free carry-on bag with any Porter Airlines fare, as well as a free checked bag. Better yet, these perks apply for you and up to eight guests travelling with you on the same Porter Airlines booking.
You'll also enjoy free PorterClassic seat selection for yourself and up to one other passenger, which means you can choose a pair of seats in row 8 and beyond at no extra cost.
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 as a cardholder.
In the first year as a cardholder, you'll earn a round-trip companion pass upon spending $9,000 within the first 180 days after the account open date. Then, in subsequent years, you can earn one by spending $50,000 on your card each calendar year.
The round-trip companion pass gives a second passenger a $0 base fare on a booking. When used strategically, this can be a valuable benefit, especially during peak travel periods and on more expensive fares.
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.
Plus, you'll get an additional boost of $1,000 in Qualifying Spend in the first year as a cardholder after spending $9,000 on the card.
This card also comes with a complimentary lounge membership in the Mastercard Travel Pass program, powered by DragonPass. Each lounge visit you make will cost $32 (USD).
Your VIPorter points will never expire as long as you're a cardholder.
You'll also enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll with BMO VIPorter World Elite®* Mastercard®*
The BMO VIPorter World Elite®* Mastercard®* also includes Instacart-related benefits, which add real, everyday value if you already use grocery delivery.
Primary cardholders are eligible for:
As a premium co-branded travel card, the BMO VIPorter World Elite®* Mastercard®* comes packed with a strong suite of insurance benefits. Simply charge your travel or eligible purchases to the card to take advantage of the following coverages:
100,000 BMO Rewards points