Bonuses & Fees

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:

Earn 20,000 VIPorter points upon spending $5,000 in the first 110 days
Earn 20,000 VIPorter points upon spending $9,000 in the first 180 days
Earn 30,000 VIPorter points upon spending $18,000 in the first 365 days

In order to fulfill the full minimum spending requirement of $18,000 in the first 365 days, you'll need to spend an average of $1,500 per month. The final allotment of 30,000 VIPorter points is awarded in your second year as a cardholder.

This card comes with an annual fee of $199, which is rebated in the first year as part of this offer.

Earning Rewards

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:

Earn 3 VIPorter points per dollar spent on Porter purchases
Earn 2 VIPorter points per dollar spent on gas, transportation, dining, groceries, and hotels
Earn 1 VIPorter point per dollar spent on all other eligible purchases

It's important to note that there are spending caps in the elevated category earning rates, which are calculated based on the calendar year. The spending caps are as follows:

Earn 3 VIPorter points per dollar spent on up to $20,000 of Porter purchases (and earn 1 VIPorter point per dollar spent thereafter)
Earn 2 VIPorter points per dollar spent on up to $5,000 of gas & transportation purchases (and earn 1 VIPorter point per dollar spent thereafter)
Earn 2 VIPorter points per dollar spent on up to $10,000 of dining and grocery purchases (and earn 1 VIPorter point per dollar spent thereafter)
Earn 2 VIPorter points per dollar spent on up to $5,000 of hotel purchases (and earn 1 VIPorter point per dollar spent thereafter)

If you're someone who may tend to max out any of the elevated category earning rates each year, be sure to consider switching your purchases to a different card once you've hit the cap to ensure you're getting the best return on your spending.

If you’d like to estimate how much value you’ll earn each month, feel free to use our rewards calculator below.

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:

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

One of the best ways to squeeze extra value out of your VIPorter points is to use the Points + Cash option, which lets you pay more in cash and less in points on redemptions. In some cases, the value of your VIPorter points can exceed 5 or even 6 cents per point, which is four times our base valuation!

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.

Perks & Benefits

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:

Six months of complimentary Instacart+ membership
$10 Instacart credit each month, valid on orders of $50 or more
Credits apply to non-alcohol purchases only and do not roll over month to month

Insurance Coverage

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:

Emergency medical insurance: Up to $5 million of coverage for the first 21 consecutive days of your out-of-province or out-of-country trip, for travellers aged 64 or under.
Trip cancellation: Up to $1,500 per insured person, to a maximum of $5,000 total per trip for all insured persons, when your trip is cancelled for an eligible reason.
Trip interruption insurance: Up to $2,000 per insured person, to a maximum of $10,000 total per trip for all insured persons, if your trip is disrupted due to a covered event.
Flight delay insurance: Up to $500 total per trip for all insured persons, for expenses like meals and accommodation when your flight is delayed by four or more hours.
Baggage delay insurance: Up to $500 per insured person, to a maximum of $1,000 total per trip for all insured persons, for essential items purchased when baggage is delayed six or more hours.
Lost or stolen baggage insurance: Up to $500 per insured person, to a maximum of $1,000 total per trip for all insured persons, for lost, stolen, or damaged checked or carry-on baggage.
Hotel burglary insurance: Up to $1,000 total per incident for stolen or damaged personal property due to burglary at your travel accommodation.
Travel accident insurance (Common Carrier): Up to $500,000 of Accidental Death and Dismemberment Insurance while travelling as a passenger on a licensed common carrier.
Car rental theft and damage insurance: Comprehensive coverage for up to 48 consecutive days for rental vehicles with an MSRP up to $65,000, including loss, damage, towing, and loss-of-use charges.

Additionally, the card also offers Purchase Security Insurance and Extended Warranty Insurance:

Purchase protection covers theft or damage of eligible items for up to 90 days after purchase.
Extended warranty doubles the manufacturer’s warranty for up to one additional year.
Combined lifetime coverage across both is capped at $60,000 per account.

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