BMO VIPorter World Elite®* Mastercard®*
Annual fee
CA$199
Welcome bonus
70,000
points
Est. 12-mo value
CA$270
bonus × ¢/pt − fee
Base ¢/pt
0.67
up to 0.7¢ sweet spot
Foreign txn
2.5%
Benefits
7 / 10
// 70,000 pts × 0.67¢ CAD − $199 fee = CA$270
Welcome Offer
Get up to 70,000 VIPorter points
Earn Rates
3xPorter purchases
2xEveryday travel, gas & transport
2xGroceries & dining
2xHotels
1xAll 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
Instacart+ membership credit
Free first checked bag
Insurance Detail
flight delay
8
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// last updated 2026-06-18 · est. value = welcome bonus × base ¢/pt − annual fee