Scotiabank® Gold American Express® Card

Scotiabank® Gold American Express® Card

Up to $950 value, including up to 50,000 bonus Scene+ points*

BMO VIPorter Mastercard
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travel

BMO VIPorter Mastercard

3.5

Welcome bonus

Up to 40,000 VIPorter points

  • 2x porter airlines purchases — Hotel accommodations earn 1 point per $1
  • 1x everyday travel (gas & transportation)
  • 1x groceries
Annual fee
$89 $0

First year waived

Interest rates

Purchases

21.99%

Cash advances

23.99%

Balance transfers

23.99%

Foreign transactions
2.5%

Rated by the CreditCardGuru Editorial Team

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.

At a glance

Annual fee
$89 $0
Welcome bonus
$419
Foreign tx fee
2.5%
Network
MASTERCARD
Rewards
points
Purchase APR
21.99%

Rewards & earn rates

Porter Airlines purchasesHotel accommodations earn 1 point per $12x
Everyday travel (gas & transportation)1x
Groceries1x
Dining1x
Everything else0.5x

Welcome offer: Up to 40,000 VIPorter points (Earn full points with $10,000 spend in the first year; 35% voucher unlocked at $6,000 spend in the first 6 months).

Pros & cons

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 & insurance

Key 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

Rates & fees

Annual fee
$89 $0
Purchase interest
21.99%
Cash advance
23.99%
Foreign transactions
2.5%

First year waived.

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
Terms & conditions

Rates and offers change. Every rate, fee, welcome offer and benefit on this page was accurate when last reviewed, but BMO can change or withdraw any of them at any time — sometimes without notice. Confirm the current terms on BMO's own website before you apply.

Eligibility is theirs to decide. Approval, credit limits, interest rates and welcome offers depend on your credit history and BMO's own criteria. Bonuses often exclude anyone who has held the card before, and usually require a minimum spend within a set period.

This is not advice. The reviews and ratings here are our editorial opinion, not financial, tax or legal advice, and not a recommendation for your circumstances. Speak to a qualified professional before making a financial decision.

How we make money. CreditCardGuru may earn a commission when you apply through links on this page. It never affects our ratings or what we write — see our advertiser disclosure and rating methodology.

CreditCardGuru is not affiliated with BMO. Trademarks belong to their respective owners.

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Disclaimer: This page is for informational purposes only and does not constitute financial, tax or legal advice. Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions. CreditCardGuru may earn a commission from cards featured on this site; this never influences our editorial ratings. See our advertiser disclosure.

Written by

CreditCardGuru Editorial Team

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Our editorial team independently researches and rates every credit card in Canada using a transparent, data-driven methodology. We update card terms continuously and never let issuer relationships influence our ratings.

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Cite this page

“BMO VIPorter Mastercard Review (2026)” — CreditCardGuru, https://creditcardguru.ca/cards/bmo-viporter-mastercard, updated June 7, 2026.

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