BMO VIPorter Mastercard
BMO
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
Researching and writing about Canadian credit cards and rewards since 2026.
“BMO VIPorter Mastercard Review — VaultNerd” — VaultNerd, https://www.vaultnerd.com/credit-cards/bmo-viporter-mastercard, updated June 2026.
- BMO cardholder agreement and rates & fees disclosure
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