BMO BMO VIPorter Mastercard — Canada
2 VIPorter points per CAD 1 on Porter purchases; 1 per CAD 1 on gas and transportation, groceries, dining and hotels; 0.5 per CAD 1 everywhere else.
- Annual card + required rewards fees
- CA$89.00
- Reward currency
- VIPorter points
- Card type
- Personal credit card
- Mileage route
- Direct miles
- Record checked
- 2026-10-20
- First-year card fee
- CA$0.00
How earning and transfers work
Direct VIPorter points into the Porter VIPorter account, credited monthly.
Eligibility and important conditions
Local residency, age, income, credit assessment and issuer-specific requirements apply.
Annual fee CAD 89 (additional card CAD 35), waived in the first year. BMO notes you may qualify for the World Mastercard tier of this card with the same fees and rates. A 35% flight voucher requires CAD 25,000 yearly spend. Welcome offer excluded; no minimum income was stated on the page reviewed.
- Fee waiver
- Annual fee waived in the first year.
- Transaction rounding
- Not verified
- Points expiry
- VIPorter points do not expire as long as your BMO VIPorter credit card account is open and in good standing (issuer statement). Under Porter's own programme rules, points otherwise expire after 24 months without qualifying travel or a redemption.
- Minimum transfer
- Not verified
- Transfer fee
- Not verified
- Transfer timing
- Not verified
Verification and sources
Listed on official issuer website; application subject to approval
Partial record. A source link does not verify every field.
Missing values remain unverified. Earnings, caps, expiry and transaction rounding can differ from a simple headline rate. Numerical reward estimates are disabled unless the full earning model is supported.
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