BMO VIPorter Mastercard

Relevant if: you use the VIPorter program and its documented categories.

Less suitable if: you do not recover at least $89 in value to offset the annual fee.

Annual fee: $89
Reward type: VIPorter
Welcome offer: Confirmed offer
First-year estimate: $883.06

Data verified on August 31, 2026

Estimate with my spending

Futello estimate

Estimated net value — first year

$883.06

Annual fee thereafter: $89
First-year fee: $0 — first year free ($89 rebate)

View the official page

View calculation details

This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.

Ongoing net value in the scenario: $105.06
Recurring annual fee already deducted: $89
Welcome-offer value earned during the first 12 months: $689
First-year fee: $0 — first year free ($89 rebate)

Balanced reference scenario

Value calculated with a balanced spending basket of $36,000 per year.

Everyday purchases$11,250
Gas / charging$4,500
Groceries$11,250
Pre-authorized payments$4,500
Restaurants$4,500

The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.

First year

Welcome offer

Up to 40,000 VIPorter points 2026-10-31

10,000 VIPorter points after $3,000 cumulative spend Spend $3,000 within 4 months
15,000 VIPorter points after $6,000 cumulative spend Spend $6,000 within 6 months
15,000 VIPorter points after $10,000 cumulative spend Spend $10,000 within 12 months

Current offer · not enough history to compare
Offer quality: Fair Futello rating grid
Offer changed recently

Welcome bonus: 40,000 points VIPorter
Requirements: $19,000 in spending within 22 months · 3 tiers
Annual fee rebate: $89
Estimated value: $689 first 12 months, per the valuation published by Futello
Offer announced until: October 31, 2026
Last verified: August 31, 2026 · Verified 21 days ago

Offer improved — August 24, 2026 · required spend

Historical context

Futello does not yet have enough verified history to compare this offer.

See observed offers

Earlier offer · observed in 2026 2 points $100 in spending within 0 months
August 31, 2026 40,000 points $19,000 in spending within 22 months current offer

Facts come from the data published by Futello (official issuer source, verified history). The page does not estimate anything on its own. Are credit-card welcome bonuses worth it? · How offers are evaluated

Earning

Rewards

Category	Reward	Conditions
Other purchases	0.5 points per dollar	Cap not documented
Restaurants, Groceries, Hotels, and Travel	1 point per dollar	Cap not documented
Porter Airlines purchases	2 points per dollar	Cap not documented

Go further

Evergreen guides with no numbers that go stale, and the full Futello methodology.

Sources and uncertainties

Unconfirmed information remains distinct from an absence. Always review current terms with the issuer.

View source