BMO VIPorter World Elite Mastercard
BMO VIPorter1.4¢ – 2.5¢
$199 annual fee (waived yr 1)
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Premium Porter Airlines card with 3x on Porter, 2x on most everyday categories. Includes an annual companion voucher and free first checked bag on Porter. Worth holding only if you fly Porter regularly enough to use the companion voucher, which is where most of the real value sits.
Earn Rates
✈️ Travel3x🛒 Groceries — Amex accepted2x🍽️ Dining2x⛽ Gas2x🚇 Transit2x·Everything else1x
💡 3x on Porter. 2x groceries, dining, gas, transit. 1x everything else.
Annual Benefits
Annual companion voucher, free checked bag on Porter
Value: $150 first year
Welcome Bonus
Smart Bonus Strategy — Earn 25,000 points
See spend breakdown below
Minimum spend bonus
Spend $5,000 in 4 months
optimal stop20,000 pts × 1.4¢+$280Min. spend earnings5,000 pts × 1.4¢+$70
Annual benefitsAnnual companion voucher, free checked bag on Porter+$160
Annual fee (waived yr 1)$0
Net first-year value+$510
Not Included in Smart Bonus Strategy
20,000 points after $9,000 within 180 days
Spend $4,000 in 6 months
Only 7.0% return — optimal tier earns 10.2%
20,000 pts × 1.4¢+$28030,000 points after $18,000 within 365 days
Spend $9,000 in 12 months
Only 4.7% return — optimal tier earns 10.2%
30,000 pts × 1.4¢+$420Compare to Similar Cards
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