BMO’s VIPorter Credit Cards Are Offering Big Welcome Bonuses Right Now

If Porter Airlines is part of your regular travel routine, BMO’s current VIPorter credit card offers are worth a closer look.

Until January 31, 2026, both the BMO VIPorter Mastercard® and BMO VIPorter World Elite Mastercard® are offering elevated welcome bonuses, first-year annual fee rebates, and solid built-in Porter perks. These are not one-size-fits-all cards, but for the right traveller, they can deliver meaningful first-year value.

Below is a clean breakdown of each card, who it is best for, and how they differ.

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BMO VIPorter Mastercard®

The following promotion ends January 31, 2026.

Welcome bonus + other perks: Up to 40,000 VIPorter points plus a 35% off Porter flight voucher, with the $89 annual fee waived in the first year.

Estimated first-year value: Up to $1,800 CAD.

Cardholders automatically receive VIPorter Avid Traveller status, which includes early boarding, dedicated check-in, and priority re-accommodation during delays. VIPorter points never expire, and you earn Qualifying Spend toward higher Porter status as you spend.

This card also includes a solid bundle of travel insurance for a lower-fee travel card, making it a practical option for casual but consistent Porter flyers.

Earning rates:

• Earn 2 VIPorter points per $1 spent on Porter purchases
• Earn 1 point per $1 on gas and transportation
• Earn 1 point per $1 on groceries and dining
• Earn 1 point per $1 on hotel accommodations
• Earn 0.5 points per $1 on all other purchases

Travel and lifestyle perks include:

• 8-day out-of-province or country emergency medical insurance
• Flight delay, baggage, and rental car insurance
• Purchase protection and extended warranty
• Instacart+ for three months and a monthly credit when enrolled
• Discounts with car rentals, Cirque du Soleil, and Booking.com

Income requirement:
No minimum income requirement listed.

Best for:
Travellers who fly Porter a few times a year, want Porter-specific perks without a high annual fee, and value a strong first-year bonus with low commitment.

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BMO VIPorter World Elite® Mastercard®

The following promotion ends January 31, 2026.

Welcome bonus + other perks: Up to 70,000 VIPorter points, a round-trip companion pass, $1,000 in Qualifying Spend, and the $199 annual fee waived in the first year.

Estimated first-year value: Up to $2,400 CAD.

This card comes with VIPorter Avid Traveller (Venture) status, which adds meaningful airport and in-flight perks, including free checked and carry-on bags, priority security, and complimentary PorterClassic seat selection. The included annual companion pass can be especially valuable for couples or frequent leisure travellers.

Travel insurance coverage is more robust on this card, including trip cancellation and interruption, along with longer emergency medical coverage.

Earning rates:

• Earn 3 VIPorter points per $1 on Porter purchases
• Earn 2 points per $1 on gas and transportation
• Earn 2 points per $1 on groceries and dining
• Earn 2 points per $1 on hotel accommodations
• Earn 1 point per $1 on all other purchases

Travel and lifestyle perks include:

• 21-day out-of-province or country emergency medical insurance
• Trip cancellation, interruption, and delay insurance
• Free checked bag and carry-on on all Porter fares
• Priority security, early boarding, and dedicated check-in
• Mastercard Travel Pass with lounge access available for a fee
• Instacart+ for six months and a monthly credit when enrolled
• Premium Mastercard travel and shopping offers

Income requirement:
Minimum $80,000 personal income or $150,000 household income.

Best for:
Frequent Porter flyers, couples who can realistically use the companion pass, and travellers who want stronger insurance, airport perks, and long-term Porter status benefits.

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Which BMO VIPorter Card Makes More Sense?

If you are a casual Porter flyer who wants a strong welcome bonus, basic perks, and no annual fee in the first year, the BMO VIPorter Mastercard® keeps things simple.

If you fly Porter multiple times per year, value free bags and priority services, or can fully use the companion pass, the World Elite version can justify its higher annual fee, especially in the first year when it is rebated.

As always, the best credit card is less about headline value and more about whether the benefits match how you actually travel.

Happy applying!