Reward earning
Earn 3 VIPorter points per $1 on eligible direct Porter purchases, 2 on eligible gas, transportation, groceries, dining and hotels, and 1 elsewhere.
Current offer: Jusqu’à 70 000 points VIPorter + exonération des frais annuels la première année Conditions apply.
- Frais annuels
- 199,00 $
- First-year bonus value
- 700 $
- Récompenses annuelles nettes
- 164,6 $
- Valeur la première année
- 1 063,6 $
Based on typical spending of $2,000/month, after the annual fee. See the breakdown
0 of 3 selected
Détails de la carte
Frais annuels
Main card: 199,00 $
Additional cards: 75,00 $
Interest rates
Purchases: 21,99 %
Cash advances: 23,99 %
Prime de bienvenue
Jusqu’à 70 000 points VIPorter + exonération des frais annuels la première année
20,000 points after $5,000 in 110 days; 20,000 + companion pass after $9,000 in 180 days; 30,000 after $18,000 in 365 days.
Annual income
Personal: 80 000 $
Household: 150 000 $
Foreign transactions
Fee: 2,5 %
Type de carte
Mastercard · Voyages
Récompenses
Program: VIPorter
Émetteur
BMO
L’approbation relève de l’émetteur.
How you earn rewards
- Earn 3 VIPorter points per $1 on eligible direct Porter purchases, 2 on eligible gas, transportation, groceries, dining and hotels, and 1 elsewhere
What is this card worth to you?
Estimated first-year value
1 063,60 $
net annual rewards + welcome bonus + first-year fee rebate
- Récompenses annuelles nettes
- 164,60 $
- Prime de bienvenue
- 700,00 $
- Remboursement des frais la première année
- 199,00 $
Rewards in a typical year, after the annual fee
One-time, if you meet the offer’s spending requirement
Annual fee waived or refunded in year one
Annual rewards breakdown
| Rewards earned in a year | 363,60 $ |
|---|---|
| Frais annuels | − $199.00 |
| Récompenses annuelles nettes | 164,60 $ |
Frais annuelsA category-by-category split isn’t available for this card yet.
Use your own spending
Needs your input
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.
$2,000/month in Canadian-dollar card spending. Travel benefits assumed usable.
Calculation assumptions for this card
Annual estimate assumptions for BMO VIPorter World Elite 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.
Earning rates, caps and redemption options
- First-year bonus
- 700,00 $
- Récompenses annuelles nettes
- 164,60 $
- Valeur la première année
- 1 063,60 $
Redemption methods
- Standard point value—
| Spending category | Earning rate | Restrictions & Spending cap | Annual earning |
|---|---|---|---|
| porter | 3 pts per $1 | Up to $20,000 a calendar year (shared)$20,000.00 eligible pool purchases / calendar yearAfter cap: 1 pt per $1 | Annual earned points: 0 pts Not included in the value |
| hotel | 2 pts per $1 | Up to $5,000 a calendar year (shared)$5,000.00 eligible pool purchases / calendar yearAfter cap: 1 pt per $1 | Annual earned points: 0 pts Not included in the value |
| gas | 2 pts per $1 | Up to $5,000 a calendar year (shared)$5,000.00 eligible pool purchases / calendar yearAfter cap: 1 pt per $1 | Annual earned points: 1,800 pts Not included in the value |
| transport | 2 pts per $1 | Up to $5,000 a calendar year (shared)$5,000.00 eligible pool purchases / calendar yearAfter cap: 1 pt per $1 | Annual earned points: 960 pts Not included in the value |
| grocery | 2 pts per $1 | Up to $10,000 a calendar year (shared)$10,000.00 eligible pool purchases / calendar yearAfter cap: 1 pt per $1 | Annual earned points: 6,000 pts Not included in the value |
| dining | 2 pts per $1 | Up to $10,000 a calendar year (shared)$10,000.00 eligible pool purchases / calendar yearAfter cap: 1 pt per $1 | Annual earned points: 2,400 pts Not included in the value |
| Other & non-bonus-eligible purchases | 1 pt per $1 | Base rate on residual purchases; merchant bonus eligibility not assumed | Annual earned points: 18,420 pts Not included in the value |
Full base-rate purchase details (10 categories)
| Residual purchases | Base rate | Annual purchases | Annual earning |
|---|---|---|---|
| groceries | 1 pts per $1 | 3 000,00 $ | 3,000 pts |
| dining | 1 pts per $1 | 1 200,00 $ | 1,200 pts |
| gas | 1 pts per $1 | 900,00 $ | 900 pts |
| transit | 1 pts per $1 | 480,00 $ | 480 pts |
| travel | 1 pts per $1 | 1 200,00 $ | 1,200 pts |
| recurring bills | 1 pts per $1 | 2 400,00 $ | 2,400 pts |
| entertainment | 1 pts per $1 | 1 200,00 $ | 1,200 pts |
| drugstore | 1 pts per $1 | 480,00 $ | 480 pts |
| online shopping | 1 pts per $1 | 3 600,00 $ | 3,600 pts |
| other | 1 pts per $1 | 3 960,00 $ | 3,960 pts |
Offre de bienvenue
Check 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 3 VIPorter points per $1 on eligible direct Porter purchases, 2 on eligible gas, transportation, groceries, dining and hotels, and 1 elsewhere.
Restrictions, caps & redemption
- Cash advance APR is 21.99% for Quebec residents.
- Annual bonus limits: $20,000 Porter; $5,000 gas/transportation; $10,000 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: $199.00. 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.
Insurance & benefits
- Travel medical: included
- Trip cancellation: included
- Trip interruption: included
- Flight delay: included
- Baggage: included
- Rental car: included
- Travel accident: included
- Hotel burglary: included
- Mobile device: not included
- Protection des achats: included
- Garantie prolongée: included
8 insurance1 benefit
Emergency medical insuranceInclus
Up to 21 days
Out of province or country
Issuer terms (opens new tab)Not counted in this estimate
Trip cancellation, interruption and delay insuranceInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
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
Common carrier travel accident insuranceInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)Not counted in this estimate
Hotel/motel burglary insuranceInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)Not counted in this estimate
Car rental collision/loss damage insuranceInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)Not counted in this estimate
Extended warranty and purchase protectionInclus
See the issuer’s certificate of insurance for eligibility and exclusions.
Issuer terms (opens new tab)Not counted in this estimate
Assurance retard de vol
Assurance bagages
Conditional annual companion pass and baggage benefits on eligible Porter bookingsInclus
Issuer terms (opens new tab)Not counted in this estimate
Pros & cons
Pros
- Welcome bonus worth about $700
- 8 types of insurance included
Cons
- $199 annual fee
- $80,000 personal income required
- 2.5% foreign transaction fee
- Bonus categories have spending caps
Sources & legal
Things to consider
- Confirm current fees, earning restrictions, membership requirements and terms with the issuer before applying.
Last verified: October 10, 2026.
What’s not included
Values don’t include interest charges, so they assume you pay your balance in full each month. Insurance and perks without a set dollar value are listed but not counted.
WalletReturn is an independent comparison site, not the card issuer. Values are estimates.
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.
Verify the issuer’s current product terms before applying.
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