Offer
Welcome offer: Get up to $1,800 in value, including 40,000 VIPorter points and a 35% off flight voucher†. Plus, the annual fee is waived in the first year†.
- Earn 2 points for every $1 spent on Porter purchases
- Earn 1 point for every $1 spent on gas and transportation
- Earn 1 point for every $1 spent on groceries and dining
- Earn 1 point for every $1 spent on hotel accommodations
- Earn 0.5 points for every $1 spent everywhere else
Benefits
- Automatically become an Avid Traveller (VIPorter Passport)
- Priority re-accommodation for flight delays*
- Dedicated check-in*
- Early boarding*
- No VIPorter points expiry
- Earn $1 of Qualifying Spend for every $25 spent
*This benefit applies to up to 8 companions travelling on the same booking
Travel insurance
- 8-day out-of-province or country emergency medical insurance
- Car rental-collision/loss damage insurance
- Common carrier insurance
- Flight delay insurance
- Baggage insurance
- Hotel burglary insurance
Purchase Insurance
- Shop confidently with an extended warranty and purchase protection
Other Benefits
- Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool
- Get 20% off admission to Cirque du Soleil shows touring Canada and 15% off resident shows in Las Vegas
- Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada
- Get even more benefits: You may qualify for the BMO VIPorter World Mastercard tier of this card – which has the same fees and rates, but also includes experiences available only to World Mastercard cardholders.
Fees & Conditions
Personal Income
$15,000
Household Income
$15,000
Annual Fee
$89
First Year Annual Fee Rebate
First Additional Card
$35
First Year Annual Fee Rebate - First Additional Card
Other Additional Card
$35
Foreign Transaction Fee
2.5%
Purchase Rates
21.99%
Cash Advance Rates
23.99%
Balance Transfer Rates
23.99%
Cash Advance Rate (QC)
21.99%
Balance Transfer Rates (QC)
21.99%
Value
Calculate the rewards
Your Monthly Spending
Year 1
Year 2+
Welcome Bonus
0 $
Annual Credit
Travel benefits
VIP Lounges
First Year Annual Fee Rebate
-
First year offer value
Rewards Earned
Annual fee
Net value
Advantages
Offer ends on
Jul 1, 2025
Welcome Bonus amount
Up to 40,000 Points
Minimum Spending Required
$10,000
Minimum Spending Timeframe (Months)
12 month(s)
Costco
Earnings
Per dollar of purchases
All Spending
0.5 Point
Groceries
1 Point
Gas
1 Point
Dining and Food delivery
1 Point
Convenience Stores
1 Point
Drugstores
0.5 Point
Local Transport
1 Point
Travel
0.5 Point
Entertainment
0.5 Point
Recurring Payments
0.5 Point
Telecom/Internet
0.5 Point
Streaming services
0.5 Point
Online transactions
0.5 Point
Office Supplies
0.5 Point
Insurance
Travel Insurance
Insurance Name
Included
Amount
Duration
Travel Medical Insurance
Travel medical insurance up to 54 years old
8 day(s)
Travel medical insurance up to 64 years old
8 day(s)
Travel medical insurance 65+
Trip Cancellation Insurance
Trip Interruption Insurance
Common Carrier Travel Accident Insurance
Flight Delay Insurance
Delayed Baggage Insurance
Lost/Stolen Baggage Insurance
Auto Rental Loss/Insurance
48 day(s)
Hotel/Motel Burglary Insurance
There may be a daily maximum amount depending on the type of fees paid
Other Insurance
Insurance Name
Included
Amount
Duration
Extended Warranty
1 year
Purchase Protection
90 day(s)
Mobile Device Insurance
Price Protection
Legal
†Terms and conditions apply.
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