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BMO VIPorter Mastercard

BMO

MastercardVIPorter

Accumulation des récompenses

Earn 2 VIPorter points per $1 on eligible direct Porter purchases, 1 on eligible gas, transportation, groceries, dining and hotels, and 0.5 elsewhere.

Offre actuelle : Frais annuels annulés la première année Des conditions s’appliquent.

Frais annuels
89,00 $
Valeur de la prime la première année
0 $
Récompenses annuelles nettes
92,8 $
Valeur la première année
181,8 $

Selon des dépenses typiques de 2 000 $ par mois, après les frais annuels. Voir le détail

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Dernière vérification : 10 octobre 2026. Confirmez les conditions actuelles auprès de l’émetteur.Source officielle de l’émetteur for BMO VIPorter Mastercard (opens new tab)

Détails de la carte

Frais annuels

Carte principale : 89,00 $

Cartes supplémentaires : 35,00 $

Taux d’intérêt

Achats : 21,99 %

Avances de fonds : 23,99 %

Prime de bienvenue

Frais annuels annulés la première année

Annual fee waived in the first year. Bonus points not confirmed — check BMO.

Revenu annuel

Aucun minimum publié

Opérations en devises

Frais : 2,5 %

Type de carte

Mastercard · Voyages

Récompenses

Programme : VIPorter

Émetteur

BMO

L’approbation relève de l’émetteur.

Comment vous accumulez des récompenses

  • Earn 2 VIPorter points per $1 on eligible direct Porter purchases, 1 on eligible gas, transportation, groceries, dining and hotels, and 0.5 elsewhere

Combien cette carte vaut-elle pour vous?

Selon des dépenses typiques de 2 000 $ par moisPoints VIPorter évalués à 1 ¢ chacun

Valeur estimée la première année

181,80 $

net annual rewards + first-year fee rebate

Récompenses annuelles nettes
92,80 $

Récompenses d’une année typique, après les frais annuels

Remboursement des frais la première année
89,00 $

Frais annuels annulés ou remboursés la première année

Détail des récompenses annuelles

Récompenses accumulées en un an181,80 $
Frais annuels− $89.00
Récompenses annuelles nettes92,80 $

La répartition par catégorie n’est pas encore offerte pour cette carte.

Utiliser vos propres dépenses

Requiert vos données
Complete spending details. Complete spending details to calculate your rewards.

Complete these assumptions to calculate your value:

  • Confirm whether your spending mix is typical throughout one complete rewards year.
  • Confirm whether this profile includes all purchases for this account, including additional cardholders.
  • Enter monthly Eligible porter. This is part of your existing spending.
  • Enter monthly Eligible hotel. This is part of your existing spending.
  • Enter monthly Eligible gas. This is part of your existing spending.
  • Enter monthly Eligible transport. This is part of your existing spending.
  • Enter monthly Eligible grocery. This is part of your existing spending.
  • Enter monthly Eligible dining. This is part of your existing spending.
Using typical spending

$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.

Edit spending
Calculation assumptions for this card
Annual estimate assumptions for BMO VIPorter Mastercard

Ongoing rewards use one complete reward/reset cycle with an even spending mix. Year 1, when available, uses the separate offer qualifications below; this does not estimate year-to-date or remaining allowance. Blank means unknown; enter 0 for none. Each amount is part of its parent spending.

Monthly limits reset separately in each calendar month or statement cycle, as specified in the earning rules. Unused allowances do not roll over. This estimate uses the same entered spending in each cycle.

Les montants particuliers de cette carte sont explicitement fixés à 0 $; les dépenses de la catégorie continuent de suivre le taux de base examiné.

Monthly spending details

Review your monthly spending. Apply changes to update your profile across WalletReturn.

Taux d’accumulation, plafonds et options d’échange
Typical spending: $2,000/month · $24,000/year · net of annual fee
First-year bonus
0,00 $
Récompenses annuelles nettes
92,80 $
Valeur la première année
181,80 $

Redemption methods

  • Standard point value
    —
Bonus rates apply to eligible purchases; everything else earns the base rate.
Points Breakdown — earning schedule
Spending categoryEarning rateRestrictions & Spending capAnnual earning
porter2 pts per $1
Up to $10,000 a calendar year (shared)$10,000.00 eligible pool purchases / calendar year

After cap: 0.5 pts per $1

Annual earned points: 0 pts

Not included in the value
hotel1 pt per $1
Up to $3,000 a calendar year (shared)$3,000.00 eligible pool purchases / calendar year

After cap: 0.5 pts per $1

Annual earned points: 0 pts

Not included in the value
gas1 pt per $1
Up to $3,000 a calendar year (shared)$3,000.00 eligible pool purchases / calendar year

After cap: 0.5 pts per $1

Annual earned points: 900 pts

Not included in the value
transport1 pt per $1
Up to $3,000 a calendar year (shared)$3,000.00 eligible pool purchases / calendar year

After cap: 0.5 pts per $1

Annual earned points: 480 pts

Not included in the value
grocery1 pt per $1
Up to $5,000 a calendar year (shared)$5,000.00 eligible pool purchases / calendar year

After cap: 0.5 pts per $1

Annual earned points: 3,000 pts

Not included in the value
dining1 pt per $1
Up to $5,000 a calendar year (shared)$5,000.00 eligible pool purchases / calendar year

After cap: 0.5 pts per $1

Annual earned points: 1,200 pts

Not included in the value
Other & non-bonus-eligible purchases0.5 pts per $1Base rate on residual purchases; merchant bonus eligibility not assumed

Annual earned points: 9,210 pts

Not included in the value
Full base-rate purchase details (10 categories)
Residual purchasesBase rateAnnual purchasesAnnual earning
groceries0.5 pts per $13 000,00 $1,500 pts
dining0.5 pts per $11 200,00 $600 pts
gas0.5 pts per $1900,00 $450 pts
transit0.5 pts per $1480,00 $240 pts
travel0.5 pts per $11 200,00 $600 pts
recurring bills0.5 pts per $12 400,00 $1,200 pts
entertainment0.5 pts per $11 200,00 $600 pts
drugstore0.5 pts per $1480,00 $240 pts
online shopping0.5 pts per $13 600,00 $1,800 pts
other0.5 pts per $13 960,00 $1,980 pts
Offre de bienvenueCheck the issuer for current offer terms. Year 1: Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.
Assumptions, restrictions & sources

Only earned points are certified. No CAD redemption value is approved, so annual dollar rewards, net value and Year 1 dollars remain unavailable.

Using typical spending. Annual rewards below are before the regular annual fee and exclude welcome offers.

Purchase scopes, account thresholds or shared limits affect earning. Eligible purchase scopes, spending thresholds or shared limits require the complete rules and calculation ledger.

Only the selected certified method is calculated. Optional travel assumptions appear separately and are not guaranteed redemption rates.

Published earning schedule

  • Earn 2 VIPorter points per $1 on eligible direct Porter purchases, 1 on eligible gas, transportation, groceries, dining and hotels, and 0.5 elsewhere.

Restrictions, caps & redemption

  • Cash advance APR is 21.99% for Quebec residents.
  • Annual bonus limits: $10,000 Porter; $3,000 gas/transportation; $5,000 dining/groceries.
  • Other category limits apply; base rate applies after limits.
  • Currentlegal106/114:postedneteligibleMastercardpurchases;directPorter viaflyporter/callcentre/counter/onboardonly. Othermerchantsateligiblepremisesexclude. Gasandtransportationonepool;diningandgroceryonepool;hotelonlytravelMCCseparatePorterflights. AnnualJan1calendarreset;fallbackbase. Excludecashadvances/cashlike,interest/fees,adjustments,refunds. Goodstanding. Optionalcompanion/35%discount/statusqualifyingspendbenefitsnotrewardcurrency; no fixedVIPorterCADconversion approved.

Regular annual fee: $89.00. The value ledger deducts applicable fees separately.

Year 1 estimate unavailable. Current welcome terms are reviewed separately; approval bonuses and first-year reset chronology must be independently supported.

Points and miles remain in their native units unless a redemption method and point value have been approved for this calculation.

Issuer category definitions, earning limits and restrictions apply.

Assurances et avantages

  • Soins médicaux en voyage: included
  • Annulation de voyage: not included
  • Interruption de voyage: not included
  • Retard de vol: included
  • Bagages: included
  • Location de voiture: included
  • Accident de voyage: included
  • Vol à l’hôtel ou au motel: included
  • Appareils mobiles: not included
  • Protection des achats: included
  • Garantie prolongée: included

7 assurances1 avantage

AssuranceCoverage
  • Assurance médicale d’urgenceInclus

    Up to 8 days

    Out of province or country

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance retard de volInclus

    See the issuer’s certificate of insurance for eligibility and exclusions.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance bagagesInclus

    See the issuer’s certificate of insurance for eligibility and exclusions.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance accident de voyage en transporteur publicInclus

    See the issuer’s certificate of insurance for eligibility and exclusions.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance cambriolage d’hôtel ou de motelInclus

    See the issuer’s certificate of insurance for eligibility and exclusions.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Assurance collision et dommages pour véhicules de locationInclus

    See the issuer’s certificate of insurance for eligibility and exclusions.

    Issuer terms (opens new tab)

    Not counted in this estimate

  • Garantie prolongée et protection des achatsInclus

    See the issuer’s certificate of insurance for eligibility and exclusions.

    Issuer terms (opens new tab)

    Not counted in this estimate

AvantagesDétails
  • Conditional 35% flight-booking discount voucher after $25,000 qualifying spendingInclusIssuer terms (opens new tab)

    Not counted in this estimate

Points forts et points faibles

Points forts

  • Les récompenses typiques couvrent les frais annuels de 89 $
  • 7 types d’assurance inclus

Points faibles

  • Frais d’opérations en devises de 2,5 %
  • Les catégories bonifiées ont des plafonds de dépenses

Sources et mentions légales

Points à considérer

  • Confirmez auprès de l’émetteur les frais, les restrictions d’accumulation, les conditions d’adhésion et les modalités actuelles avant de faire une demande.

Dernière vérification : 10 octobre 2026.

Ce qui n’est pas inclus

Les valeurs n’incluent pas les frais d’intérêt : elles supposent que vous payez votre solde en entier chaque mois. Les assurances et les avantages sans valeur fixe en dollars sont indiqués, mais pas comptés.

WalletReturn est un site de comparaison indépendant, pas l’émetteur de la carte. Les valeurs sont des estimations.

Divulgation publicitaire : WalletReturn peut toucher une commission lorsque vous faites une demande au moyen de certains liens. Cela ne change ni nos calculs ni l’ordre des cartes. Consultez notre méthodologie publiée et divulgation publicitaire.

Vérifiez les conditions actuelles du produit auprès de l’émetteur avant de faire une demande.

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Valeur la première année avec des dépenses typiques de 2 000 $ par mois, après les frais annuels.