BMO VIPorter Mastercard
Quick answer: The BMO VIPorter Mastercard carries a CA$89 annual fee and 12 catalogued benefits, 2 of them dollar credits worth CA$85 a year at face value; its best earning category is Porter Airlines at 2x. Welcome offer: Earn up to 40,000 VIPorter points: 10,000 points after $3,000 in purchases within 110 days, 15,000 points and a 35% flight voucher after $6,000 within 180 days, and 15,000 points after $10,000 within 365 days. First year annual fee waived.. MaxWorth is the only benefits tracker with hand-verified Canadian card data, and it never asks for a bank login.
Earning rates
| Category | Rate | True cash-back value |
|---|---|---|
| Porter Airlines | 2x | 3% |
| Gas | 1x | 1.5% |
| Transit | 1x | 1.5% |
| Dining | 1x | 1.5% |
| Groceries | 1x | 1.5% |
| Hotels | 1x | 1.5% |
| Everything else | 0.5x | 0.75% |
True cash-back value = rate × MaxWorth's valuation of the card's points currency; see the methodology.
Credits (2)
$5 Monthly Instacart Credit
CA$60/yrEarn a $5 Instacart credit each month when you enroll. $60 total annual value. Valid through October 31, 2027, while supplies last. Enrollment required.
Instacart+ 3-Month Membership
CA$25/yrComplimentary 3-month Instacart+ membership, providing free delivery on orders over $35, reduced service fees, and exclusive savings. Valid through October 31, 2027, while supplies last. Valued at approximately $25 (3 months of $99/year membership).
Status & Elite Perks (1)
VIPorter Avid Traveller Passport Membership
CA$50/yrComplimentary VIPorter Passport Avid Traveller membership status, which normally requires $2,000 in annual qualifying spend on Porter flights. Benefits include: 6 VIPorter points per dollar spent on all Porter Airlines purchases (excluding government-imposed taxes and fees), dedicated check-in, priority security screening (when available), early boarding, and priority re-accommodation in the event of flight delays. Benefits extend to the cardholder plus up to eight guests on the same itinerary. Cardholders also earn $1 of Avid Traveller Qualifying Spend for every $25 spent on the card, enabling status progression within the VIPorter program.
Protections (8)
Travel Emergency Medical Insurance
CA$50/yrOut-of-province/country emergency medical insurance providing up to $5,000,000 in coverage for the first 8 days of any trip, for cardholders aged 64 or under. Coverage provided by CUMIS General Insurance Company, administered by Allianz Global Assistance.
Rental Car Collision/Loss Damage Insurance
CA$50/yrRental car collision and loss damage insurance for vehicles with an MSRP of up to $65,000. Covers damage to or theft of a rental vehicle when the full cost is charged to the card and the rental company's collision damage waiver is declined.
Flight Delay Insurance
CA$25/yrFlight delay insurance providing up to $500 per trip for all insured persons combined, covering reasonable expenses for meals, accommodations, and essential items in the event of a flight delay of 4 or more hours.
Baggage Insurance
CA$25/yrBaggage insurance providing up to $500 per person ($1,000 maximum per trip) for emergency purchases when checked baggage is lost, stolen, or delayed during a trip where the common carrier fare was charged to the card.
Purchase Protection
CA$25/yrPurchase protection covering most items purchased with the card against theft or accidental damage for up to 90 days from the date of purchase. Lifetime maximum of $60,000 per cardholder (shared with Extended Warranty).
Extended Warranty
CA$25/yrExtended warranty coverage that doubles the original manufacturer's warranty period by up to one additional year. Items must be purchased entirely with the card. Lifetime maximum of $60,000 per cardholder (shared with Purchase Protection). Registration required if original warranty exceeds 5 years.
Common Carrier Accidental Death Insurance
CA$10/yrCommon carrier accidental death and dismemberment insurance providing up to $500,000 in coverage when the full fare for a common carrier (airline, train, bus, etc.) is charged to the card.
Hotel Burglary Insurance
CA$10/yrHotel/motel burglary insurance providing up to $1,000 per occurrence for loss of personal property due to burglary from a hotel or motel room during a trip where the common carrier fare was charged to the card.
Other (1)
35% Flight Voucher
Earn a voucher for 35% off the base fare for the cardholder and up to three companions on the same Porter Airlines booking. Requires $25,000 in annual card spending to qualify. First-year cardholders can earn this voucher with $6,000 spend within 180 days as part of the welcome offer.
How to track it
Add the BMO VIPorter Mastercard to MaxWorth and every credit above appears with its cycle set; you get a push before each one expires and the card's annual-fee ROI runs from what you mark used. No Canadian bank account is ever connected. What MaxWorth covers for Canadian cards.
Other BMO Bank of Montreal cards
- BMO eclipse Visa Infinite Privilege Card · CA$599 · 0 benefits
- BMO VIPorter World Elite Mastercard · CA$199 · 15 benefits
- BMO Ascend World Elite Mastercard · CA$150 · 13 benefits
- BMO Blue Rewards World Elite Mastercard · CA$150 · 12 benefits
- BMO CashBack World Elite Mastercard · CA$120 · 10 benefits
- BMO eclipse Visa Infinite Card · CA$120 · 10 benefits
- BMO U.S. Dollar Mastercard · CA$49 · 3 benefits
- BMO Preferred Rate Mastercard · CA$29 · 2 benefits
Source: the issuer's published terms, entered and verified by hand in the MaxWorth database; amounts in CAD. Methodology.