BMO VIPorter Mastercard

Earn a $5 Instacart credit each month when you enroll. $60 total annual value. Valid through October 31, 2027, while supplies last. Enrollment required.

Complimentary 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).

Complimentary 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.

Out-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 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 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 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 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 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 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/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.

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.