Illustration, not the actual card design.
BMO · Earns VIPorter points
BMO VIPorter World Elite Mastercard
Annual fee
$199 · waived year one
Welcome offer
Up to 70,000 points
Market
Canada · CAD
Biggest part of the offer: Spend $18,000 in your first 365 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
$400
+$400 welcome bonus
+$0 yearly credits
−$0 fee (waived)
Year 2
$101
+$300 welcome bonus
+$0 yearly credits
−$199 fee
Every year after
−$199
Costs $199 a year until your spending covers it.
Plus 8 benefits with no fixed dollar value, like Airport Lounge Membership, Avis and Budget rental discount and FlexiRoam Global Data eSIM. Their worth depends on how you use the card, so they're not counted above. See them all
Estimated as of Sep 28, 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.
70,000 points: worth $700 at 1¢ a point, or up to $1,050 on travel (1.5¢ a point). How that works
- 1Spend $5,000 in your first 110 days20,000 pts≈ $200 est.Year 1
- 2Spend $9,000 in your first 180 days20,000 pts≈ $200 est.Year 1
- 3Spend $18,000 in your first 365 days30,000 pts≈ $300 est.Year 2
- First-year annual fee waived$199savedYear 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 $20,000/yr of spend | 3 pts per $ | 3¢ |
| Dining & RestaurantsUp to $10,000/yr of spend | 2 pts per $ | 2¢ |
| TravelUp to $5,000/yr of spend | 2 pts per $ | 2¢ |
| Gas & FuelUp to $5,000/yr of spend | 2 pts per $ | 2¢ |
| TransitUp to $5,000/yr of spend | 2 pts per $ | 2¢ |
| GroceriesUp to $10,000/yr of spend | 2 pts per $ | 2¢ |
| Everything else | 1 pt per $ | 1¢ |
What else you get
Perks · 6
- Airport Lounge Membership
Mastercard Travel Pass lounge membership; each visit is a fee of US$32 per person
Enroll first - 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
- FlexiRoam Global Data eSIM
Free 3GB global roaming data eSIM (1GB for 5 days, three times a year), valid from October 1, 2024
Enroll first - Free Bags and Seat Selection
Free first checked bag, free carry-on and complimentary PorterClassic seat selection (rows 8 and up) for you and up to 8 additional guests on the same reservation
Every booking
Show all 6Show fewer
- 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
Status
- Automatic VIPorter Avid Traveller Status
Primary cardholders and authorized users automatically become Avid Travellers in VIPorter
Awards
- Annual Companion Pass
An annual companion pass after $50,000 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 Sep 28, 2026.