BMO VIPorter Mastercard^®*

Offer structure (3 separate bonuses)

• 10,000 points Bonus after spending $3,000 (in a maximum of 110 days)
• 15,000 points Bonus after spending $3,000 more ($6,000 in a maximum of 180 days)
• 15,000 points Bonus after spending $4,000 more ($10,000 in a maximum of 365 days)

40,000 points Total with the 3 parts of the bonus

‣ Apply for the BMO VIPorter Mastercard^®*

Total rewards by unlocking the welcome bonus

• 40,000 points Welcome bonus (3 parts)
• 3,000 points Estimated earn on the minimum spending requirement of $3,000 (at multiplier earn rate of 1 pt/$)
• 3,000 points Estimated earn on the minimum spending requirement of $3,000 more (at multiplier earn rate of 1 pt/$)
• 4,000 points Estimated earn on the minimum spending requirement of $4,000 more (at multiplier earn rate of 1 pts/$)

50,000 points Welcome bonus + Earn on the minimum spending requirement to unlock it

‣ Apply for the BMO VIPorter Mastercard^®*

Net value (at our Flytrippers Valuation of ≈ 1.5¢/pt)

• ≈ $150 Bonus after min. spend of $3,000 (10,000 pts)
• ≈ $225 Bonus after min. spend of $3,000 more (15,000 pts)
• ≈ $225 Bonus after min. spend of $4,000 more (15,000 pts)
• ≈ $45 Earn on min. spend of $3,000 (3,000 pts)
• ≈ $45 Earn on min. spend of $3,000 more (3,000 pts)
• ≈ $60 Earn on min. spend  of $4,000 more (4,000 pts)
• –$0 Card fee (rebated the 1^st year)

≈ $750 Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

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Effective return rate

≈ 7.5% Return on the minimum spending requirement of $10,000 in 12 months

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

≈ $750 Rewards you get for $0 in fees paid

‣ Apply for the BMO VIPorter Mastercard^®*

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 50,000 VIPorter points you get by unlocking the welcome bonus:

• ≈ $750 Any flights on Porter
• ≈ $750 Specific flights on Air Transat (more partners coming soon)

‣ Details of the best redemptions of VIPorter points (coming soon)

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Value of redemption options (per point)

For each available redemption option, here is the value per VIPorter point to help you understand:

• ≈ 1.5¢/pt Any flights on Porter
• ≈ 1.5¢/pt Specific flights on Air Transat (more partners coming soon)

‣ Details of the value per point

Redemptions for flights on Porter

VIPorter points are the rare airline points that are of the more simple type. The amount of points required is not fixed and is mostly tied to the cash price of the flight. The value varies depending on the flight chosen, but not too much. But all seats are available.

Redeem your 50,000 VIPorter points for:

• 10,000 pts Discount of ≈ $150 on Porter flights
• 25,000 pts Discount of ≈ $375 on Porter flights
• 50,000 pts Discount of ≈ $750 on Porter flights

‣ Details of the best redemptions of VIPorter points (coming soon)

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Redemptions for flights on Air Transat

The same principle, but with somewhat limited seat availability (as is almost always the case with partner airlines).

Redeem your 50,000 VIPorter points for:

• 10,000 pts Discount of ≈ $150 on Air Transat flights
• 25,000 pts Discount of ≈ $375 on Air Transat flights
• 50,000 pts Discount of ≈ $750 on Air Transat flights

‣ Details of the best redemptions of VIPorter points (coming soon)

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Redemptions for anything other than travel (or anything other than flights in this case)

Should always be avoided, as with (almost) all rewards!

‣ Details about why you should always use your rewards for travel

Automatic VIPorter Passport elite status
You automatically get the elite status that gives you the following 3 benefits in this list.

‣ Details about the BMO VIPorter elite status benefit (coming soon)

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Priority lines for boarding and check-in
You get to skip a few lines when flying on Porter.

‣ Details about the Porter priority lines benefit (coming soon)

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Priority rebooking and customer service
You’ll be re-accommodated on another flight before others in disrupted flight situations and you have access to faster response when you need help.

‣ Details about the Porter priority customer service benefits (coming soon)

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Bonus points for Porter spending
You earn bonus points on Porter flights via the VIPorter program (in addition to your credit card rewards). Instead of earning 5 pts/$, you earn 6 pts/$.

‣ Details about the Porter elite status qualification benefit (coming soon)

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Annual 35%-off voucher for roundtrip flight (requires minimum spend)
You can get a 35%-off discount for up to 4 passengers if you spend $6,000 the 1^st year, but in the following years you need to spend $25,000 (you really shouldn’t do that).

‣ Details about the Porter discount voucher (coming soon)

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Qualification for higher elite statuses via card spending
You earn $1 in elite status qualifying spend for every $25 spent on your card.

‣ Details about the Porter elite status qualification benefit (coming soon)

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Discount on rental cars
You get a discount of up to 20% at certain locations with National Car Rental and Alamo, and up to 5% at certain locations with Enterprise.

‣ Details about the BMO car rental benefit (coming soon)

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Discount on Booking.com accommodation
You get a discount of up to 7% for prepaid reservations made through the special Booking.com platform for Mastercard.

‣ Details about the Mastercard Booking.com benefit (coming soon)

Insurance included

• Medical travel insurance (8 days)
• Flight delay insurance
• Travel accident insurance
• Delayed and lost baggage insurance
• Rental car insurance
• Hotel burglary insurance
• Extended warranty coverage
• Purchase protection coverage

‣ Details about the insurance coverage included with the card (coming soon)

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Insurance not included (among the main types)

• Trip cancelation insurance
• Trip interruption insurance
• Mobile device insurance

‣ Details about the different types of insurance coverage (coming soon)

Earn rates (and effective return at our Flytrippers Valuation)

2 points per $ (≈ 3.0%):

• Porter purchases

Annual cap of $10,000 (then 0.5 pts/$)

1 point per $ (≈ 1.5%):

• Groceries
• Indirectly at all retailers from the gift cards displays in grocery stores
• Restaurants
• Hotels
• Gas
• Transportation

Annual cap of $5,000 for groceries and restaurants (then 0.5 pts/$); Annual cap of $3,000 for hotels (then 0.5 pts/$); Annual cap of $3,000 for gas and transportation (then 0.5 pts/$)

0.5 points per $ (≈ 0.75%):

• Everywhere else

‣ Details about credit card earn rates (coming soon)

Pooling (with additional cards)
You can pool VIPorter points with additional cards (“joint” cards) added to this account. Optional additional cards have a fee of $35.

‣ Details about pooling rewards with additional cards (coming soon)

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Pooling (with separate cards that earn VIPorter points)
You can pool points across your separate cards that earn VIPorter points.

‣ Details about pooling VIPorter points from separate cards (coming soon)

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Pooling (with travel companions)
You cannot pool VIPorter points with travel companions, but you can book flights for whomever you want anyway (as is always the case).

‣ Details about pooling VIPorter points with travel companions (coming soon)

Expiration (if you have the card)
VIPorter points never expire as long as you have the BMO VIPorter Mastercard^®*!

‣ Details about VIPorter points expiration (coming soon)

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Expiration (if you don’t have the card)
You have 2 options to easily keep your VIPorter points from expiring even without the card:

• Fly or redeem VIPorter points once per 24 months
• Have the main-level VIPorter card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the BMO VIPorter Mastercard^®*
• Spend $3,000 (in a maximum of 110 days) to unlock 1^st part of bonus
• Spend $3,000 more (in a maximum of 180 days) to unlock 2^nd part of bonus
• Spend $4,000 more (in a maximum of 365 days) to unlock 3^rd part of bonus

‣ Details about the steps to follow when applying for a new card in Flytrippers’ free checklist

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How to redeem/manage rewards

• Create a VIPorter online account in a few clicks
• Redeem/manage your VIPorter points on the VIPorter/Porter website

‣ Learn more about how to redeem/manage VIPorter points (coming soon)

Card eligibility

• Minimum income: $0
• Age: Majority in your province
• Estimated credit score: Good OR Excellent
• Credit bureau: Equifax Canada

‣ Details about credit card eligibility requirements (coming soon)

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Welcome bonus eligibility
You must not have already had the BMO VIPorter  Mastercard^®*

‣ Details about credit card welcome bonus eligibility rules

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Offer end date
Offer subject to change at any time

‣ Sign up for Flytrippers’ free newsletter about travel rewards to get all updates and news

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Summary of card details

• Issuer: BMO (Bank of Montreal)
• Network: Mastercard
• Card type: Credit card
• Product type: Personal card
• Rewards: VIPorter points
• Rewards class: Airline rewards

‣ Details about credit card basics (coming soon)

Fees

• Card fee: $89/year ($0 the 1^st year)
• Fee for optional additional card: $35/year
• Foreign transaction fee: 2.5%
• Balance transfer fee: Up to 5%

‣ Details on why Flytrippers recommends savvy travelers choose cards with annual fees (coming soon)

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Annual interest rates

• Purchases: 21.99%
• Funds advances: 23.99%
• Funds advances (Québec residents): 21.99%

‣ Details about what Flytrippers recommends regarding interest rates (coming soon)

Welcome offer: Get up to $1,800 in value including 40,000 VIPorter points and a 35% off flight voucher.* Plus no annual fee in your 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*
• 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
• Your BMO VIPorter credit card comes with comprehensive travel coverage including: 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*
• Shop confidently with an extended warranty and purchase protection.*
• 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.*

BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information

*Terms and conditions apply