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BMO® VIPorter® World Elite Mastercard® review

Name: BMO VIPorter World Elite Mastercard
Brand: BMO

4.2Rated by the CreditCardGuru Editorial Team

The BMO VIPorter World Elite Mastercard earns up to 3x on porter and carries a $199 annual fee (first year free). We estimate around $590 in first-year value. Figures are illustrative — verify current terms with BMO.

At a glance

Annual fee: $199
Welcome bonus: ~$590
Foreign tx fee: 2.5%
Network: MASTERCARD
Rewards: points
Purchase APR: 20.99%

Rewards & earn rates

Porter	3x
Travel & Groceries & Dining	2x
Everything Else	1x

Welcome offer: Up to ~$590 in first-year value.

Pros & cons

Pros

Earns 3x on porter
First Year Free on the annual fee

Cons

2.5% foreign transaction fee
High income requirement ($80,000 personal)

Perks & insurance

Key perks

Free Checked Bag
Companion Pass

Insurance

Rates & fees

Annual fee: $199
Purchase interest: 20.99%
Cash advance: 22.99%
Foreign transactions: 2.5%
Min. personal income: $80,000

First Year Free.

Last updated June 7, 2026Reviewed by CreditCardGuru Editorial Team

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Written by

CreditCardGuru Editorial Team

Rewards & Cards Research

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Cite this page

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