Travel Rewards
Rewards
BMO VIPorter Mastercard
BMO Bank of Montreal
Welcome Bonus:
Up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher
Secure RateBuddy connection · Application completed on BMO Bank of Montreal’s site
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 APR | 21.99% |
|---|---|
| Cash Advance APR | 23.99% |
| Annual Fee | $89 |
| Income Required | No specific requirement listed. |
| Recommended Credit Score | — |
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Filed Under
Travel Rewards
Rewards
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