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
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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—

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Filed Under

Travel Rewards Premium / High-End Rewards
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