BMO · Rewards Calculator
BMO VIPorter MastercardRewards Calculator
| Category | Earn Rate |
|---|---|
| Porter purchases | 2 VIPorter points per $1 |
| Everyday travel like gas and transportation | 1 VIPorter point per $1 |
| Groceries and dining | 1 VIPorter point per $1 |
| Hotel accommodations | 1 VIPorter point per $1 |
| All other purchases | 0.5 VIPorter points per $1 |
Enter Your Monthly Spending
We'll calculate your VIPorter points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your VIPorter points earnings with the BMO VIPorter Mastercard.
Or try a quick-fill preset to get started
Ready to apply for the BMO VIPorter Mastercard?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your VIPorter points.
Welcome Bonus
Bonus
40,000 VIPorter points + 35% off flight voucher
~$400 estimated value
How to Earn It
40,000 VIPorter points
Spend $0 upon approval
35% off one flight booking voucher
Spend $0 annually
Card Details
- Annual Fee
- $89/yr (1st year waived)
- Additional Card Fee
- Free
- Network
- Mastercard
- Rewards Program
- VIPorter
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 23.99%
- Foreign Transaction Fee
- 2.5%
- Lounge Access
- No
How to Use the BMO VIPorter Mastercard Rewards Calculator
This calculator helps you estimate how many VIPorter points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the BMO VIPorter Mastercard's earn rates to show you a complete breakdown.
Understanding BMO VIPorter Mastercard Earn Rates
The BMO VIPorter Mastercard earns VIPorter points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Porter purchases: 2 VIPorter points per $1
- Everyday travel like gas and transportation: 1 VIPorter point per $1
- Groceries and dining: 1 VIPorter point per $1
- Hotel accommodations: 1 VIPorter point per $1
- All other purchases: 0.5 VIPorter points per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the BMO VIPorter Mastercard. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your VIPorter points
The true value of your VIPorter points depends on how you redeem them. As part of the VIPorter program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
Is the $89 Annual Fee Worth It?
The BMO VIPorter Mastercard carries an annual fee of $89. Use this calculator to see whether the value of your earned rewards exceeds the fee. The "Net Value" card in the results shows your estimated rewards value minus the annual fee — if it's positive, you're coming out ahead.