BMO VIPorter Mastercard
Occasional Porter flyers who want airline perks without a premium fee.
VaultNerd estimate based on the card's tier and income requirements, not an official issuer cutoff. Approval also depends on income, debt, and credit history.
Our verdict
The 35% annual flight voucher and Porter perks justify the modest fee for semi-regular Porter passengers, but the earn rates are unremarkable for everyday spending.
Reward rates
Porter Airlines purchases Hotel accommodations earn 1 point per $1 | 2x |
Everyday travel (gas & transportation) | 1x |
Groceries | 1x |
Dining | 1x |
Everything else | 0.5x |
Welcome bonus
Up to 40,000 VIPorter points plus a 35% flight discount voucher and first year free (creditcardGenius estimated value)
Requirement: Earn full points with $10,000 spend in the first year; 35% voucher unlocked at $6,000 spend in the first 6 months
Pros
- Annual 35% flight discount can exceed the fee in one booking
- Porter perks at a mid-tier price point
Cons
- Weak 0.5x base earn rate
- Points locked to Porter flights
- Only 8 days of travel medical coverage
Perks
- Annual voucher for 35% off the base fare of one Porter flight booking (up to 4 travellers)
- Automatic VIPorter Passport status with early boarding and dedicated check-in
- Priority re-accommodation for flight delays
- Earn $1 of qualifying spend toward status for every $25 spent
- VIPorter points never expire while your account is open
Insurance
- Out-of-province/country emergency medical insurance (8 days)
- Car rental collision/loss damage insurance
- Common carrier, flight delay and baggage insurance
- Hotel burglary insurance
- Extended warranty and purchase protection
Frequently asked questions
Is the BMO VIPorter Mastercard worth it?
It charges a $89 annual fee, and we rate it 3.5 out of 5. It's best suited to occasional Porter flyers who want airline perks without a premium fee. The welcome bonus is worth roughly $419, which covers the first year for many people. Whether it's worth it for you depends on your spending. Run your own numbers through our credit card finder to see the net rewards after the fee.
What does the BMO VIPorter Mastercard earn?
It earns 2x on porter airlines purchases, 1x on everyday travel (gas & transportation) and 1x on groceries.
What credit score do you need for the BMO VIPorter Mastercard?
We'd suggest a score of around 680 or higher, which puts approval in our "moderate" band. This is a VaultNerd estimate based on the card's tier and stated requirements. Approval also depends on your income, existing debt and credit history.
Researching and writing about Canadian personal finance since 2026.
Last reviewed June 2026 · How we research
“BMO VIPorter Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/bmo-viporter-mastercard, updated June 2026.
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