CreditCardGuru
travel

BMO® VIPorter® Mastercard® review

3.5Rated 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
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 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

Similar cards to consider

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 Card terms and offers change and may be out of date — always verify with the issuer before applying, and consult a qualified professional before making financial decisions.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

C

CreditCardGuru Editorial Team

Rewards & Cards Research

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.

  • 200+ Canadian cards tracked
  • Transparent rating methodology
  • Updated continuously

Cite this page

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

Never miss a great card offer

Get the best new welcome bonuses and rewards news for Canadians, straight to your inbox. No spam — unsubscribe anytime.