BMO · Mastercard · VIPorter
Reviewed 2026-07-05 · By The Points Standard editorial team
BMO VIPorter World Elite Mastercard
A niche card that's excellent inside its niche: Porter loyalists with real spend get a companion pass and strong earn; everyone else should pass.
Standard Score breakdown — Situational
Six weighted components, each rated 0–10. "Contributes" is the rating × weight — add all six and you get the 6.30/10 Standard Score above.
See how the Standard Score works or re-weight it to your priorities.
The numbers
| Annual fee | $199 |
| Welcome bonus | Up to 70,000 VIPorter points (20,000 on $5K/4 mo + 20,000 on $9K/6 mo + 30,000 on $18K/12 mo), plus first year free |
| Est. bonus value | ≈ $700 |
| First-year net value | ≈ $700 |
Earn rates
| Porter Airlines purchases | 3x |
| Gas, grocery, dining, transit, hotels | 2x |
| Everything else | 1x |
Why it earns its score
- Companion pass with qualifying spend
- Porter status-building perks (free bags, priority services vary by offer)
- Only card earning VIPorter directly
Where it loses points
- Value gated behind steep spend tiers ($9K-$18K)
- Porter's network is Eastern-Canada-centric
Who it's for
Porter regulars on the Eastern corridor who can hit the companion-pass spend tier.
Who should skip it
Porter isn't your airline — the points are worthless anywhere else.
Included insurance
Travel medical · Trip cancellation · Flight delay · Rental car coverage
Source: issuer card page · Last reviewed 2026-07-05. Details change often — confirm current terms with the issuer before applying.