BMO VIPorter Mastercard®*
Annual fee
CA$89
Welcome bonus
40,000
points
Est. 12-mo value
CA$179
bonus × ¢/pt − fee
Base ¢/pt
0.67
up to 0.7¢ sweet spot
Foreign txn
2.5%
Benefits
5 / 10
// 40,000 pts × 0.67¢ CAD − $89 fee = CA$179
Welcome Offer
Get up to 40,000 VIPorter points
Earn Rates
2xPorter purchases
1xEveryday travel, gas & transport
1xGroceries & dining
1xHotels
0.5xAll other purchases
Benefits & Insurance
·Airport Lounge
·No FX Fee
✓Car Rental Insurance
✓Travel Medical
·Trip Cancellation
✓Flight Delay
·Mobile Insurance
✓Purchase Protection
✓Extended Warranty
·Free Checked Bags
Key Perks
Food delivery credits
Insurance Detail
flight delay
8
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// last updated 2026-06-18 · est. value = welcome bonus × base ¢/pt − annual fee