Canada · personal card · BMO
BMO VIPorter Mastercard review
Earn VIPorter points: 2 per $1 on Porter purchases, 1 per $1 on gas/transport, groceries, dining and hotels, and 0.5 per $1 elsewhere; 35% off flight voucher yearly.
Key facts
- Issuer
- BMO
- Network
- Mastercard
- Annual fee
- $89 (Waived in first year; fee per BMO data file)
- Welcome offer
- Up to $1,800 value including 40,000 VIPorter points, 35% off flight voucher and annual fees waived in first year
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Foreign transaction fee
- 2.5%
- Minimum personal income
- Not stated
- Minimum household income
- Not stated
- Available in Quebec
- Not stated
- Est. net value / yr
- $187 ($276 rewards − $89 fee)
- Points value
- VIPorter (Porter) at 1¢ CAD each
Rewards
Earn VIPorter points: 2 per $1 on Porter purchases, 1 per $1 on gas/transport, groceries, dining and hotels, and 0.5 per $1 elsewhere; 35% off flight voucher yearly.
Earn rates the issuer states: base 0.5 pts · groceries 1 pts · gas 1 pts · dining 1 pts · travel 2 pts.
Perks
Dedicated check-in; early boarding; priority re-accommodation; points do not expire
How we put this page together
Every figure here was read on BMO’s own page on October 7, 2026; fields the page did not state are shown as “not stated” rather than estimated. The net value estimate uses the method on our Canada methodology. Card rules and your rights as a cardholder: FCAC. Note: Rates (purchase/cash advance/annual fee) read from BMO's own public data file https://www.bmo.com/public-data/api/v2.0/bmo-ca-credit-cards-en.json that feeds the page; offer text from same file. FX fee not stated. Porter Airlines co-brand. New program key viporter. FX fee read on issuer document: https://www.bmo.com/pdf/PDF_MC%207613%20COB_insert_E.pdf
Frequently asked questions
What is the annual fee on the BMO VIPorter Mastercard?
$89 (Waived in first year; fee per BMO data file), as read on BMO’s website on October 7, 2026.
Is there a foreign transaction fee on the BMO VIPorter Mastercard?
The issuer states a 2.5% foreign currency conversion fee.
What income do I need for the BMO VIPorter Mastercard?
The issuer’s page did not state a minimum income when we read it.
More BMO cards
Earn 2 BMO Rewards points per $1 on gas, office supplies and cellphone/internet bills, and 1 point per $1 on everything else.
Earn: base 1 pts · gas 2 pts
- Annual fee
- $0
- Est. net value / yr
- $216
- Welcome offer
- 25,000 BMO Rewards points when you spend $3,000 in first 110 days plus 0% balance transfer for 9 months with 3% fee
- Purchase rate
- 18.99%
- Balance transfers
- 0.00% introductory rate on balance transfers for 9 months with 3% transfer fee
- Foreign transaction fee
- Not stated
Earn 4 BMO Rewards points per $1 on office supplies, cellphone/internet bills and gas, and 1.5 points per $1 on everything else.
Earn: base 1.5 pts · gas 4 pts
- Annual fee
- $175 (Waived first year for primary card and two employee cards)
- Est. net value / yr
- $165
- Welcome offer
- Up to 150,000 bonus BMO Rewards points in first year (up to $1,000 value); total offer up to $2,175 value
- Purchase rate
- 18.99%
- Foreign transaction fee
- Not stated
Earn 5 BMO Rewards points per $1 on travel, 3 on entertainment, dining and recurring bills, and 1 point per $1 on everything else.
Earn: base 1 pts · dining 3 pts · travel 5 pts
- Annual fee
- $150 (Annual fee waived in first year; rebated with BMO Premium Chequing)
- Est. net value / yr
- $194
- Welcome offer
- Up to $1,900 value including up to 115,000 BMO Rewards bonus points, up to $200 NEXUS credit, Mastercard Travel Pass with 4 lounge passes, no annual fee first year
- Purchase rate
- 21.99%
- Foreign transaction fee
- 2.5%
Earn Blue Rewards points: 10 per $1 at partners and via Blue Rewards Travel, 2 per $1 on gas and EV charging, and 1 per $1 base.
Earn: base 1 pts · gas 2 pts
- Annual fee
- $0
- Est. net value / yr
- $216
- Welcome offer
- 30,000 bonus points when you spend $3,000 in first 110 days
- Purchase rate
- 20.99%
- Foreign transaction fee
- Not stated
Rates, fees and offers are shown as we read them on each issuer’s own website on the date shown, in Canadian dollars, and can change at any time. Confirm current terms with the issuer before applying. General information, not financial advice. Partner links, where they exist, never change the order. Affiliate disclosure. Card rules and consumer protections: Financial Consumer Agency of Canada.