BMO VIPorter World Elite^®* Mastercard^®*

Offer structure (3 separate bonuses)

• 20,000 points Bonus after spending $5,000 (in a maximum of 110 days)
• 20,000 points Bonus after spending $4,000 more ($9,000 in a maximum of 180 days)
• 30,000 points Bonus after spending $9,000 more ($18,000 in a maximum of 365 days)

70,000 points Total with the 3 parts of the bonus

‣ Apply for the BMO VIPorter World Elite^®* Mastercard^®*

Total rewards by unlocking the welcome bonus

• 70,000 points Welcome bonus (3 parts)
• 10,000 points Estimated earn on the minimum spending requirement of $5,000 (at multiplier earn rate of 2 pts/$)
• 8,000 points Estimated earn on the minimum spending requirement of $4,000 more (at multiplier earn rate of 2 pts/$)
• 18,000 points Estimated earn on the minimum spending requirement of $9,000 more (at multiplier earn rate of 2 pts/$)

106,000 points Welcome bonus + Earn on the minimum spending requirement to unlock it

‣ Apply for the BMO VIPorter World Elite^®* Mastercard^®*

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

• ≈ $300 Bonus after min. spend of $5,000 (20,000 pts)
• ≈ $300 Bonus after min. spend of $9,000 (20,000 pts)
• ≈ $450 Bonus after min. spend of $18,000 (30,000 pts)
• ≈ $150 Earn on min. spend of $5,000 (10,000 pts)
• ≈ $120 Earn on min. spend of $4,000 more (8,000 pts)
• ≈ $270 Earn on min. spend  of $9,000 more (18,000 pts)
• –$0 Card fee (rebated the 1^st year)

≈ $1590 Total net value by unlocking the welcome bonus alone

‣ Details about our Flytrippers Valuation of welcome bonuses

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Effective return rate

≈ 8.8% Return on the minimum spending requirement of $18,000 in 12 months

‣ Details about effective return rates (coming soon)

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Rewards acquisition summary

≈ $1590 Rewards you get for $0 in fees paid

‣ Apply for the BMO VIPorter World Elite^®* Mastercard^®*

Value of redemption options (welcome bonus)

For each available redemption option, here is the value of the 106,000 VIPorter points you get by unlocking the welcome bonus:

• ≈ $1590 Any flights on Porter
• ≈ $1590 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 106,000 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
• 100,000 pts Discount of ≈ $1500 on Porter flights
• 106,000 pts Discount of ≈ $1590 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 106,000 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
• 100,000 pts Discount of ≈ $1500 on Air Transat flights
• 106,000 pts Discount of ≈ $1590 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 Venture elite status
You automatically get the elite status that gives you the following 6 benefits in this list.

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

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Free checked bags on Porter
You get the 1^st checked bag free on Porter flights (as do up to 8 travel companions on the same booking).

‣ Details about the Porter free bags benefit (coming soon)

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Free full-size carry-on bags on Porter
You get the full-size cary-on free on Porter flights (as do up to 8 travel companions on the same booking).

‣ Details about the Porter free bags benefit (coming soon)

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Free seat selection on Porter
You get free standard seat selection on Porter flights (as do up to 8 travel companions on the same booking).

‣ Details about the Porter seat selection benefit (coming soon)

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Priority lines for boarding, security, and check-in
You get to skip many 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 

‣ 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 companion pass for roundtrip flight (requires minimum spend)
You can get a companion pass (a kind of 2-for-1 ticket) if you spend $9,000 the 1^st year, but in the following years you need to spend $50,000 (you really shouldn’t do that).

‣ Details about the Porter companion pass (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)

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Mastercard World Elite benefits
You get discounts on shows, restaurants, services, and products in Canada and abroad thanks to Mastercard World Elite benefits. 

‣ Details about Mastercard World Elite benefits (coming soon)

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Free membership to the DragonPass VIP airport lounge network
Warning: Many cards offer free membership AND free passes. This one just gives membership, but no free passes (and it’s so easy to get this for free).

‣ Details about airport lounge access

Insurance included

• Medical travel insurance (21 days)
• Flight delay insurance
• Trip cancelation insurance
• Trip interruption 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)

• Mobile device insurance

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

Earn rates (and effective return at our Flytrippers Valuation)

3 points per $ (≈ 4.5%):

• Porter purchases

Annual cap of $20,000 (then 1 pt/$)

2 points per $ (≈ 3.0%):

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

Annual cap of $10,000 for groceries and restaurants (then 1 pt/$); Annual cap of $5,000 for hotels (then 1 pt/$); Annual cap of $5,000 for gas and transportation (then 1 pt/$)

1 point per $ (≈ 1.5%):

• 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 $75.

‣ 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 World Elite^®* 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 basic-level VIPorter card

‣ Details about reward expiration policies (coming soon)

How to get started

• Apply for the BMO VIPorter World Elite^®* Mastercard^®*
• Spend $5,000 (in a maximum of 110 days) to unlock 1^st part of bonus
• Spend $4,000 more (in a maximum of 180 days) to unlock 2^nd part of bonus
• Spend $9,000 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: $80,000 (personal) OR $150,000 (household)
• 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 World Elite^®* 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: $199/year ($0 the 1^st year)
• Fee for optional additional card: $75/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 $2,400 in value* including 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.*Plus no annual fee in your first year*

• Earn 3 points for every $1 spent on Porter purchases*
• Earn 2 points for every $1 spent on gas and transportation, Earn 2 points for every $1 spent on groceries and dining*, Earn 2 points for every $1 spent on hotel accommodations, Earn 1 point for every $1 spent everywhere else*
• A round-trip companion pass per year*, 1 complimentary checked bag*, 1 complimentary carry-on bag on all Porter fare types*, Free PorterClassic seat selection*, Priority re-accommodation for flight delays*, Priority check-in, security, and 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: 21-day out-of-province or country emergency medical insurance, Car rental-collision/loss damage insurance, Common carrier insurance,F light delay insurance, Baggage insurance, Hotel burglary insurance*
• Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.* Registration is required. Visit the Mastercard Travel Pass website or use the Mastercard Travel Pass mobile application to register*
• 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
• Discover a world of Mastercard Travel Rewards cash back offers when you shop, dine and relax with our partners outside of Canada.
• Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada *
• Access valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services.*
• Shop with extended warranty and purchase protection.*

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