BMO VIPorter Mastercard
Travel Rewards Rewards

BMO VIPorter Mastercard

BMO Bank of Montreal BMO Bank of Montreal
Welcome Bonus: Up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher
Annual Fee $0
$89 after first year
Purchase APR 21.99%
Cash Advance 23.99%
Bonus Value $800

RateBuddy Verdict

The Good
  • Includes a highly valuable 35% off flight voucher every single year, easily offsetting the $89 annual fee.
  • Porter airport perks (early boarding, priority check-in) extend to authorized users and up to 8 companions on the same booking.
  • Automatic Avid Traveller status helps you reach higher VIPorter tiers faster.
  • First-year annual fee is waived, providing a risk-free trial of the card's travel benefits.
The Trade-offs
  • The base earn rate for non-travel or non-grocery/dining purchases is very low at just 0.5 points per dollar.
  • Emergency medical travel insurance only covers trips up to 8 days, requiring supplemental insurance for longer vacations.
  • Does not include Trip Cancellation or Trip Interruption insurance.

Rewards & Earnings

Groceries 1%
Dining 1%
Gas 1%
Travel 2%
Base Rate 0.50%
Rewards Summary: Porter Purchases: 2 pts per $1; Travel (Gas, Transit, Hotels): 1 pt per $1; Groceries & Dining: 1 pt per $1; Base Earn: 0.5 pts per $1; Avid Traveller Status: Automatic; Instacart: 3 months free + $5/month credit

Welcome Bonus Details

Up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher

Estimated Value: $800

Features & Benefits

Travel Medical Insurance
8-day out-of-province or country coverage
First-Year Fee Waived
Annual fee waived in the first year
Car Rental Collision/Loss Damage Waiver
Included
Extended Warranty Insurance
Doubles manufacturer warranty up to 1 year
Purchase Security Insurance
Included
Flight Delay Insurance
Included
Baggage Delay/Loss Insurance
Included
Priority Airport Services (Check-in, Boarding)
Dedicated check-in and early boarding on Porter
Common Carrier Accident Insurance
Included
Hotel/Motel Burglary Insurance
Included

Insurance Coverage

Emergency Medical: 8 days; Flight Delay & Baggage: Included; Car Rental Collision: Included; Common Carrier: Included; Hotel Burglary: Included; Purchase Security & Extended Warranty: Included

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR23.99%
Annual Fee$89
Income Required No specific requirement listed.
Recommended Credit Score—

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