BMO · Mastercard
BMO VIPorter Mastercard
Travel points, earns VIPorter points
Welcome offer
Not verified yetUp to 40,000 VIPorter points
Earn 10,000 points when you spend $3,000 within 110 days, plus 15,000 points when you reach $6,000 within 180 days, plus 15,000 points when you reach $10,000 within 365 days. First year free.
- Minimum spend
- $10,000 in 12 months
- Apply by
- October 31, 2026
The apply-by date on the issuer's site (October 31, 2026) has passed. This is what I saw on October 11, 2026, and it needs to be checked again.
This card's data was imported on September 6, 2026 and has not been checked against the issuer's page yet. Check the issuer's website before you apply.
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $89, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026.
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 1× VIPorter | about 1% |
| Dining and delivery | 1× VIPorter | about 1% |
| Gas and EV charging | 1× VIPorter | about 1% |
| Recurring bills | 0.5× VIPorter | about 0.5% |
| Transit | 1× VIPorter | about 1% |
| Drugstores | 0.5× VIPorter | about 0.5% |
| Travel | 0.5× VIPorter | about 0.5% |
| Entertainment | 0.5× VIPorter | about 0.5% |
| Phone and internet | 0.5× VIPorter | about 0.5% |
| Streaming | 0.5× VIPorter | about 0.5% |
| Online shopping | 0.5× VIPorter | about 0.5% |
| Convenience stores | 0.5× VIPorter | about 0.5% |
| Office supplies | 0.5× VIPorter | about 0.5% |
| Other spending | 0.5× VIPorter | about 0.5% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- 8 day(s)
- Travel medical (age 64 and under)
- 8 day(s)
- Travel accident
- Included
- Flight delay
- Included
- Baggage delay
- Included
- Lost baggage
- Included
- Rental car collision
- 48 day(s)
- Hotel burglary
- Included
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.