Overview
The BMO VIPorter Mastercard is a co-branded credit card built for Porter Airlines loyalists. It earns VIPorter points on every purchase — 2x per $1 on Porter purchases, 1x per $1 on travel, groceries, dining, and hotels, and 0.5x per $1 on everything else — which can be redeemed directly for Porter flights.
At $89/year (waived in the first year), the card comes loaded with a 40,000-point welcome bonus and a 35% off flight voucher that renews annually. Both the primary cardholder and authorized users automatically receive Avid Traveller status in Porter's loyalty program, unlocking priority re-accommodation for delays, dedicated check-in, and early boarding.
This card is purpose-built: if you fly Porter regularly and want to accelerate your earning toward free flights, it delivers solid value. If you rarely fly Porter, you'll want to look elsewhere — VIPorter points are only redeemable on Porter flights.
Welcome Offer
BMO is offering up to $1,800 in first-year value for new cardholders:
- 40,000 VIPorter points — enough for a domestic round-trip on many Porter routes
- 35% off one flight booking voucher (renews annually)
- $89 annual fee waived in the first year
The welcome bonus doesn't appear to require a minimum spend — the 40,000 points and flight voucher are available upon account opening.
How to Earn
The BMO VIPorter Mastercard earns VIPorter points on every dollar spent:
| Category | Earn Rate |
|---|---|
| Porter purchases (flights, baggage, travel expenses) | 2 points per $1 |
| Travel (gas, transportation) | 1 point per $1 |
| Groceries & dining | 1 point per $1 |
| Hotel accommodations | 1 point per $1 |
| All other purchases | 0.5 points per $1 |
Additionally, you earn $1 of qualifying spend toward Porter loyalty tier upgrades for every $25 spent on the card — helping you unlock higher VIPorter tiers and better earning ratios on Porter purchases.
How to Redeem
VIPorter points are redeemed for Porter Airlines flights:
- Points can be used to book flights on Porter's network across Canada and select U.S. destinations
- VIPorter points never expire as long as your account is active
- Redeem through the VIPorter portal linked to your BMO card
The redemption value varies by route and timing, but Porter's point pricing is generally straightforward compared to legacy airline programs.
Insurance & Benefits
The BMO VIPorter Mastercard does not include travel insurance. BMO offers optional travel insurance plans that can be purchased separately.
Additional Perks
- 35% off flight voucher — one per year for a Porter flight booking
- Avid Traveller status — automatic VIPorter loyalty status for primary cardholder and authorized users
- Priority re-accommodation — rebooked first during flight delays (applies to cardholder, auth users, and up to 8 companions in the same booking)
- Dedicated check-in and early boarding on Porter flights
- Instacart+ — 3 months free plus $5 monthly Instacart credit
- BMO PaySmart — split purchases into monthly payments
- Credit Coach — free 24/7 credit score monitoring
Who Is This Card For?
The BMO VIPorter Mastercard is ideal for Canadians who fly Porter Airlines regularly and want to earn free flights faster. The 40,000-point welcome bonus alone can cover a domestic round-trip, and the annual 35% off flight voucher provides recurring savings. If Porter serves your home airport and your most frequent routes, this card is a no-brainer at $89/year (waived in year one). However, if you fly multiple airlines or rarely use Porter, the locked-in redemption to Porter flights limits the card's flexibility.
Bottom Line
The BMO VIPorter Mastercard is a strong entry-level airline co-brand card for Porter flyers. The 40,000-point welcome bonus plus 35% off voucher deliver excellent first-year value, and the automatic Avid Traveller perks (priority rebooking, early boarding, dedicated check-in) make the flying experience noticeably better. At $89/year waived in year one with no income requirement, it's accessible to most Canadians. Just make sure Porter is your airline of choice — these points don't transfer anywhere else.
