BMO
BMO VIPorter World Elite Mastercard
Fly Porter and earn VIPorter points faster, with 3 points per dollar on Porter purchases. Enjoy premium travel perks and a first-year annual fee waiver.
Starting an application here does not affect your credit score. A credit check happens only when the issuer takes it further.
Annual fee
$199
Purchase rate
21.99% (purchases)
FX fee
2.50%
Grace period
21 days
What this card pays you
This figure reflects your spending profile against this card's published earn rates, minus the annual fee. Category caps, welcome bonuses, insurance and lounge benefits, and first-year fee waivers are excluded from this estimate.
We earn a referral fee if an application is approved. It does not affect this ranking. How we rank
Rewards in full
- 3 VIPorter points per $1 on Porter Airlines purchases
- 2 points per $1 on travel, groceries, dining and hotel accommodations
- 1 point per $1 on all other purchases
Rates & fees
| Annual fee | $199 |
|---|---|
| Supplementary card fee | $75 per additional card (up to 9 additional cardholders) |
| Purchase APR | 21.99% (purchases) |
| Balance transfer intro | 0.99% for 9 months (promotional; not confirmed on BMO's current page) |
| Balance transfer rate | 28.99% (BMO Cost of Borrowing insert rev. 06/26; an earlier card-specific disclosure listed 23.99%) |
| Balance transfer fee | Up to 5.00% of amount transferred; exact fee disclosed with the promotional offer |
| Cash advance | 1.00% of the advance or minimum $5.00; cash advance APR 28.99% (earlier disclosure listed 23.99%) |
| Foreign exchange fee | 2.50% |
| Grace period | 21 days |
| Network | Mastercard |
Important information
Rates, fees, and offers come from the issuers and can change without notice. Confirm every detail on the issuer's site before you apply. We provide comparisons and application intake only; approval decisions rest solely with the issuer.