BMO VIPorter World Elite Mastercard
Travel Rewards Premium / High-End Rewards

BMO VIPorter World Elite Mastercard

BMO Bank of Montreal BMO Bank of Montreal
Welcome Bonus: Up to $2,400 in value including 70,000 VIPorter points and a round-trip companion pass
Annual Fee $0
$199 after first year
Purchase APR 21.99%
Cash Advance 23.99%
Bonus Value $1,400

RateBuddy Verdict

The Good
  • Unbeatable flight perks: Free checked bag, free carry-on, and free seat selection that extends to up to 8 companions traveling with you.
  • Includes a highly valuable round-trip companion pass every year.
  • Outstanding travel medical insurance that covers up to 21 consecutive days, making it ideal for longer vacations.
  • Offers a solid 2x points multiplier on multiple daily spending categories, including groceries, dining, and gas.
The Trade-offs
  • Requires a strict minimum personal income of $80,000 or household income of $150,000 to qualify.
  • While it offers lounge membership via DragonPass, it does not include any complimentary lounge visits (you pay US$32 per visit).
  • The $199 annual fee is steep, though it is waived in the first year.

Rewards & Earnings

Groceries 2%
Dining 2%
Gas 2%
Travel 3%
Recurring Bills 1%
Base Rate 1%
Rewards Summary: Porter Purchases: 3 pts per $1; Gas, Transit, Groceries, Dining & Hotels: 2 pts per $1; Base Earn: 1 pt per $1; Avid Traveller Status: Automatic; Instacart: 6 months free + $10/month credit

Welcome Bonus Details

Up to $2,400 in value including 70,000 VIPorter points and a round-trip companion pass

Estimated Value: $1,400

Features & Benefits

Airport Lounge Access
DragonPass membership included (usage fees of US$32 apply)
Travel Medical Insurance
Up to $5 million for 21 consecutive days
First-Year Fee Waived
Annual fee waived in the first year
Car Rental Collision/Loss Damage Waiver
Included
Trip Cancellation/Interruption Insurance
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, early boarding, free seat selection on Porter
Special Event Access (e.g., Front Of The Line)
1 complimentary checked bag and carry-on for up to 8 companions
Common Carrier Accident Insurance
Included
Hotel/Motel Burglary Insurance
Included

Insurance Coverage

Emergency Medical: $5M (21 days); Trip Cancellation/Interruption: Included; Flight Delay & Baggage: Included; Car Rental Collision: Included; Common Carrier: Included; Hotel Burglary: Included; Purchase Security: 90 days; Extended Warranty: +1 Year

Rates, Fees & Eligibility

Purchase APR21.99%
Cash Advance APR23.99%
Annual Fee$199
Income Required Personal: $80,000
Household: $150,000
Recommended Credit Score—

User Reviews

Read community feedback or share your own experience with this card.
Help other RateBuddy visitors compare real cardholder experiences.
Reviews are moderated before publication. Avoid sharing account numbers, SIN, passwords, or private financial details.
Be the first to review
No public user reviews yet. Share your experience to help others compare this card.

Filed Under

Travel Rewards Premium / High-End Rewards
View Offer
Secure provider site