BMO BMO VIPorter World Elite Mastercard — Canada
3 VIPorter points per CAD 1 on Porter purchases (up to CAD 20,000 a year); 2 per CAD 1 on gas and transportation (up to CAD 5,000 a year), groceries, dining and hotels; 1 per CAD 1 everywhere else.
- Annual card + required rewards fees
- CA$199.00
- 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
Issuer states a minimum individual annual income of CAD 80,000 or household income of CAD 150,000.
Annual fee CAD 199 (additional card CAD 75), waived in the first year. Caps shown are the ones itemized in the benefits guide; caps on groceries, dining and hotels were not itemized. Card holders also earn Porter status-based points on Porter fares and an annual companion pass; these are separate and excluded. Welcome offer excluded.
- 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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