Illustration, not the actual card design.
BMO · Earns VIPorter points
BMO VIPorter Mastercard
Annual fee
$89 · waived year one
Welcome offer
Up to 40,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $6,000 in your first 180 days.
What it's worth before you spend
Welcome bonus, plus perks you get no matter what, minus the fee. Everyday earning comes on top.
Year 1
$250
+$250 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
$61
+$150 welcome bonus
+$0 yearly credits
−$89 fee
Every year after
−$89
Costs $89 a year until your spending covers it.
Plus 4 benefits with no fixed dollar value, like Avis and Budget rental discount, Priority Check-in and Boarding and VIPorter Qualifying Spend. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Oct 11, 2026. Assumes you're approved, qualify for the offer and meet its spending requirement. Points valued at up to 1¢ each, which is our assumption. Before everyday spending.
Welcome offer
Ends Oct 31, 2027. Not available to current or former cardholders who reinstate a closed account or open a new account for the same card during the offer period. Existing BMO credit card cardholders who transfer into this card during the offer period are not eligible. If the card is cancelled within 365 days of opening, the welcome bonus earned in that period may be cancelled.
40,000 points: worth $400 at 1¢ a point, or up to $600 on travel (1.5¢ a point). How that works
- 1Spend $3,000 in your first 110 days10,000 pts≈ $100 est.Year 1
- 2Spend $6,000 in your first 180 days15,000 pts≈ $150 est.Year 1
- 3Spend $10,000 in your first 365 days15,000 pts≈ $150 est.Year 2
- First-year annual fee waived$89savedYear 1
Not guaranteed. Welcome offers and bonuses are at the card issuer's discretion, and can change or end at any time.
What it earns
Valued at 1¢ per point. VIPorter points can be worth more on travel. How that works
| Where you spend | Earns | Back per $1 (est.) |
|---|---|---|
| Porter AirlinesUp to $10,000/yr of spend | 2 pts per $ | 2¢ |
| Dining & RestaurantsUp to $5,000/yr of spend | 1 pt per $ | 1¢ |
| TravelUp to $3,000/yr of spend | 1 pt per $ | 1¢ |
| Gas & FuelUp to $3,000/yr of spend | 1 pt per $ | 1¢ |
| TransitUp to $3,000/yr of spend | 1 pt per $ | 1¢ |
| GroceriesUp to $5,000/yr of spend | 1 pt per $ | 1¢ |
| Everything else | 0.5 pts per $ | 0.5¢ |
What else you get
Perks
- Avis and Budget rental discount
At least 10% off the lowest available discountable Time and Mileage retail rates at Avis and Budget in Canada and the US, and up to 30% (Avis) or 35% (Budget) when prepaid
- Priority Check-in and Boarding
Porter dedicated check-in, early boarding and priority security (where available), plus priority re-accommodation
Every flight - VIPorter Qualifying Spend
$1 of VIPorter Qualifying Spend for every $25 you spend on the card
Awards
- Annual Flight Discount
An annual 35% flight discount after $25,000 in purchases in a card year
Got this card? We'll tell you when to use it.
PointsMaxxing checks the store you're standing in and picks the card in your wallet that earns the most there.
Fine print
Card details are checked against public sources. Issuers change fees, offers and earn rates without notice, and the issuer's terms are the only ones that count, so check them before you apply. Approval, welcome offers and bonus points are at the issuer's discretion and aren't guaranteed. The values above are estimates based on our own point valuations and on assumptions about approval and spending, not a forecast of what you'll receive. This is general information, not financial advice, and it doesn't say whether this card suits you. We're not affiliated with or endorsed by BMO. Card and program names belong to their owners.
Details last checked Oct 11, 2026.