BMOVIPorter Mastercard
5120 6214 3463 0390
VALID THRU 07/28RILEY CHEN
Airline Cards · Canada
BMO VIPorter Mastercard
Best for: Occasional Porter flyers
Annual feeC$89/yr
IssuerBMO
NetworkMastercard
Purchase APRSee issuer
Foreign transaction feeSee issuer
Credit neededNo income requirement (repor…
Pros
- Lower fee entry to Porter perks
- No income requirement
Cons
- Low 0.5x base earn
- Porter-centric value
Rates and offers change. Confirm today's terms on the issuer's official site before applying. Independent comparison — not financial advice.
This card launched recently (March 24, 2025). The entry-level Porter co-brand card, launched March 2025.
BMO VIPorter Mastercard at a glance
| Issuer | BMO |
| Card network | Mastercard |
| Annual fee | C$89 |
| Rewards rate | 2x Porter (up to $10,000/yr); 1x gas, transit, dining, groceries, hotels (caps apply); 0.5x other |
| Welcome bonus | At launch: up to 40,000 VIPorter points plus first-year fee waived |
| Intro APR | None |
| Regular APR | See issuer |
| Foreign transaction fee | See issuer |
| Credit needed | No income requirement (reported) |
| Best for | Occasional Porter flyers |
Key features
- Automatic VIPorter Passport Avid Traveller status
- Free checked bag and carry-on on Porter
- 35% off base fare voucher after $6,000 first-year spend
Pros
- Lower fee entry to Porter perks
- No income requirement
Cons
- Low 0.5x base earn
- Porter-centric value
Before you apply: terms for new cards change quickly. Confirm the current annual fee, rates, rewards and welcome offer on the official BMO site. CreditCardCompare is an independent comparison resource, not the card issuer, and this is not financial advice.
Sources: princeoftravel.com
How it compares with similar Canada cards
| Card | Annual fee | Rewards | Intro APR | Foreign fee | Credit needed | Rating |
|---|---|---|---|---|---|---|
BMOVIPorter Mastercard 5120 6214 3463 0390 VALID THRU 07/28RILEY CHEN BMO VIPorter MastercardOccasional Porter flyers |
C$89/yr | 2x Porter (up to $10,000/yr); 1x gas, transit, dining, groceries, hote… | None | See issuer | No income requirement (reporte… | — |
BMOVIPorter World Elite Master… 5525 8938 0147 0129 VALID THRU 10/32ALEX MORGAN BMO VIPorter World Elite MastercardPorter Airlines flyers in Eastern Canada |
C$199/yr | 3x Porter (up to $20,000/yr); 2x travel, groceries, dining, hotels (ca… | None | See issuer | See issuer | — |
Neo FinancialUnited MileagePlus Neo Worl… 5261 9163 6247 3477 VALID THRU 11/29RILEY CHEN United MileagePlus Neo World Elite MastercardCanadians who fly United or Star Alliance |
C$89/yr | 1.25 miles/$ United and Star Alliance flights; 1 mile/$ dining and gro… | None | 2.5% | $80,000 personal or $150,000 h… | — |
RBCWestJet World Elite Masterc… 5549 0513 5556 1627 VALID THRU 04/32CASEY BROOKS WestJet RBC World Elite MastercardWestJet flyers based in Western Canada |
C$139/yr | 2 WestJet points/$ on WestJet flights and vacations, Sunwing, grocerie… | None | See issuer | See issuer | — |
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