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BMO V I Porter World Elite®* Mastercard®*

Unlock your travel potential with our premium V I Porter travel Mastercard.

Welcome offer

Minimum $80,000 (individual) or $150,000 (household) annual income required. 

Your rates at a glance

  • $199 $0 annual fee8

    Annual fee waived in the first year112

  • 21.99% for purchases8

  • 23.99% for cash advances8

    21.99% for Quebec residents8

Accelerate your way to your next adventure

Earn V I Porter points on every dollar spent and redeem them for a future getaway. 

  • 3 points

    For every $1 spent on .∆∆113A

  • 2 points

    For every $1 spent on everyday travel like gas and transportation.∆∆113A

  • 2 points

    For every $1 spent on groceries and dining.∆∆113A

  • 2 points

    For every $1 spent on hotel accomodations.∆∆113A

1 point for every $1 spent everywhere else.∆∆113B

Travel even better with these benefits

  • A round-trip companion pass per year∆∆,114
  • 1 complimentary checked bag* ∆∆,115
  • 1 complimentary carry-on bag on all Porter fare types*∆∆,116
  • Free PorterClassic seat selection*∆∆,117
  • Priority re-accommodation for flight delays*∆∆,109
  • Priority check-in, security, and early boarding*∆∆,109
  • No VIPorter points expiry∆∆,111
  • Earn $1 of qualifying spend for every $25 spent∆∆,110
  • Automatically become an Avid Traveller

*This benefit applies to up to 8 companions travelling on the same booking

Your BMO V I Porter World Elite Mastercard comes with comprehensive travel coverage37 including: 

  • 21-day out-of-province or country emergency medical insurance
  • Trip cancellation/interruption/delay insurance
  • Car rental-collision/loss damage insurance 
  • Common carrier insurance
  • Flight delay insurance
  • Baggage insurance
  • Hotel burglary insurance

BMO PaySmart™ Installment Plans

Live now, pay smarter with a BMO PaySmart plan by turning your credit card purchases into smaller, monthly payments at a low cost.

Learn more

Fill up on savings

Get up to seven cents off per litre on ShellRegistered symbol fuel, only for BMO card holders.101 

Learn more

Digital features and security at your fingertips

Give your financial health a boost with online and mobile banking tools. Enjoy more control over your credit card and a better understanding about how you’re using it.

  • Safety and security >

    Can’t find your card? No worries, you can lock it, unlock it or report it lost or stolen at any time.

  • Financial insights >

    Stay on top of your spending with a personalized look at your money.

  • Credit score >

    Get free, 24/7 access to CreditView with no impact to your credit score.

  • Dispute a transaction and PIN reset >

    Resolve an issue with your statement or reset your PIN directly from your mobile app. 

frequently asked questions

  • Visit the VIPorter webpage to see how the V I Porter program works, including its perks and travel benefits. From there, you can also log in to your V I Porter account, see your points balance and redeem for flights. 

  • This is the perfect card for people who like collecting V I Porter points and flying with Porter! With a BMO V I PorterMastercard, you’ll earn points even faster – on every dollar you spend on your card! Plus, the points you earn will never expire as long as your account is open and in good standing.∆∆111 You will also benefit from great perks, like priority boarding, prioritized call centre service and more.

  • There are a few requirements you need to meet to apply for a credit card with us. 

    • Be a Canadian citizen or permanent resident 
    • Have not declared bankruptcy in the past seven years 
    • Have reached the age of majority in the province in which you live (18 years in Alberta, Manitoba, Ontario, Prince Edward Island, Quebec and Saskatchewan. 19 years in all other provinces) 
    • Meet any minimum income requirements 

  • You’ll need to share a few things to participate in the V I Porter program, including your name, date of birth, email address, telephone number and address. In addition to these details, you’ll also need to share your employment status, income source(s), and rent or mortgage amount to open your credit card account. 

  • Yes. We’re committed to protecting your confidential information and privacy and we continuously employ the latest security software to our sites and apps. 

    Additionally, our digital experiences have been upgraded with extended validation (EV) SSL Certificates, which add another layer of protection by identifying our sites and applications as legitimate.

  • How do I access my Porter flight benefits?

    If you’re a primary cardholder:  

    To access the card perks to elevate the flying experience for you and up to 8 guests, all you need to do is include the V I Porter number that is associated with your BMO V I Porter Mastercard on your Porter flight booking.

    If you’re an authorized user:  

    You can still benefit from perks like priority boarding – even if you aren’t travelling with the Primary Cardholder! Simply ask the Primary Cardholder to link your V I Porter number to their V I Porter account. Once the authorized user account is ready to be linked, Porter will email the Primary Cardholder asking them to start the linking process. Alternatively, once the account is ready to be linked, the Primary Cardholder can follow these steps:  

    1. Log in to your V I Porter account 
    2. On your dashboard, select the option to link a new card 
    3. Follow the steps to link your authorized user(s) by entering their V I Porter number 

    How can I see how many points I earned with my BMO V I Porter Mastercard? 

    You can see a breakdown of how many V I Porter points you earned each month on your credit card by logging into your VIPorter account or checking out your monthly BMO V I Porter credit card statement. 

    When will my V I Porter points be reflected in my V I Porter account? 

    The V I Porter points that you earn on your credit card will be deposited in your V I Porter account on a monthly basis, typically within two business days of your monthly credit card statement date. 

    Do my V I Porter points expire? 

    They don’t! One of the exclusive perks of your BMO V I Porter Mastercard account is that as long as it is open and in good standing, your points will not expire. 

    How can I add an authorized user on my BMO V I Porter Mastercard account? 

    To add up to nine (9) authorized users and begin earning V I Porter points faster, start by logging into BMO Online Banking.  

    From there, simply select your credit card account, then select Account options and then select Add an authorized user. Alternatively, you can call the number on the back of your card and one of our associates will be happy to add an authorized to your account on your behalf. 

    Can I set up a BMO PaySmart installment plan with this card? 

    Yes, you can! You’ll be able to set up, manage and review your PaySmart installment plans from your Online Banking account. 

    To get started, simply login and follow these steps for recent eligible credit card purchases of $100 Canadian Dollar or more: 

    1. Choose an eligible credit card purchase you’d like to convert into a PaySmart plan. 
    2. Go to the Installment Plan tab and click the Create button. 
    3. Select the plan that works best for you. 

    What is Avid Traveller? 

    Avid Traveller refers to a group of VIPorter membership levels: Passport, Venture, Ascent and First. To learn more, visit VIPorter.   

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