BMO VIPorter World Elite Mastercard
Regular Porter Airlines flyers who can use the companion pass and bag benefits every year.
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
If you fly Porter even a few times a year, the companion pass, free bags, and seat selection easily outweigh the fee; for everyone else, a flexible-points card makes more sense.
Reward rates
Porter Airlines purchases Hotel accommodations earn 2 points per $1 | 3x |
Everyday travel (gas & transportation) | 2x |
Groceries | 2x |
Dining | 2x |
Everything else | 1x |
Welcome bonus
Up to 70,000 VIPorter points plus an annual round-trip companion pass and first year free (creditcardGenius estimated value)
Requirement: Earn full points with $18,000 spend in the first year; companion pass unlocked at $9,000 spend in the first 6 months
Pros
- Companion pass and free bags deliver real value for Porter flyers
- Comprehensive travel insurance package
- Strong earn on Porter and everyday categories
Cons
- Points usable only on Porter (plus Air Transat and Alaska partners)
- High spend thresholds to unlock the full welcome offer
- $199 annual fee after year one
Perks
- Annual round-trip companion pass (pay only taxes and fees)
- 1 free checked bag and free carry-on for you and up to 8 companions
- Free PorterClassic seat selection, early boarding, and dedicated check-in
- Automatic VIPorter Avid Traveller status; earn $1 qualifying spend per $25 on card
- Mastercard Travel Pass membership (lounge access at US$32/visit)
- VIPorter points never expire while your account is open
Insurance
- Out-of-province/country emergency medical insurance (21 days)
- Trip cancellation/interruption/delay insurance
- 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 World Elite Mastercard worth it?
It charges a $199 annual fee, and we rate it 4.0 out of 5. It's best suited to regular Porter Airlines flyers who can use the companion pass and bag benefits every year. The welcome bonus is worth roughly $810, 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 World Elite Mastercard earn?
It earns 3x on porter airlines purchases, 2x on everyday travel (gas & transportation) and 2x on groceries.
What credit score do you need for the BMO VIPorter World Elite Mastercard?
We'd suggest a score of around 725 or higher, which puts approval in our "hard" band. It also lists an income requirement of $80,000 personal or $150,000 household. 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 World Elite Mastercard Review.” VaultNerd, https://www.vaultnerd.com/ca/credit-cards/bmo-viporter-world-elite, updated June 2026.
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