BMO VIPorter Mastercard
BMO VIPorter1.4¢ – 2.5¢
$89 annual fee (waived yr 1)
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Co-branded Porter Airlines card with 2x on Porter purchases. Useful only if Porter is your regular airline, primarily for travellers in eastern Canada hubs like Toronto Billy Bishop, Ottawa, and Montreal. Limited value otherwise.
Earn Rates
✈️ Travel2x·Everything else0.5x
💡 2x on Porter purchases. 1x on gas, transportation, groceries, dining, and hotels. 0.5x (1 point per $2) on all other purchases.
Welcome Bonus
Smart Bonus Strategy — Earn 28,000 points
See spend breakdown below
Minimum spend bonus
Spend $3,000 in 4 months
10,000 pts × 1.4¢+$140Minimum spend bonus
Spend $3,000 in 6 months
optimal stop15,000 pts × 1.4¢+$210Min. spend earnings3,000 pts × 1.4¢+$42
Annual fee (waived yr 1)$0
Net first-year value+$392
Not Included in Smart Bonus Strategy
15,000 points after $10,000 within 365 days
Spend $4,000 in 12 months
Only 5.3% return — optimal tier earns 6.5%
15,000 pts × 1.4¢+$210Compare to Similar Cards
BMO VIPorter World Elite Mastercard
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$199 annual fee
you could earn$814
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MBNA Smart Cash World Mastercard
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$39 annual fee
you could earn$438
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