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
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 $1
2x
Everyday travel (gas & transportation)
1x
Groceries
1x
Dining
1x
Everything else
0.5x
Welcome offer: Up to 40,000 VIPorter points plus a 35% flight discount voucher and first year free (creditcardGenius estimated value) (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
Purchase interest
21.99%
Cash advance
23.99%
Foreign transactions
2.5%
First year waived.
Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team
