BMO VIPorter World Elite Mastercard

Published minimum income $80,000

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

Less suitable if: you do not recover at least $199 in value to offset the annual fee.

Estimate with my spending

Futello estimate

Net value, first year

$1,050.00

The bonus in dollars, minus the fees to earn it.

Fee: $0 in year one ($199 rebate), then $199

Offer verified on November 5, 2026

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View calculation details

Offer (first 12 months): $1,249.00
− First-year fees: $199.00
= First-year net value: $1,050.00

For a spending profile of $36,000 a year

The offer plus the card’s rewards on this profile. The net value above counts the offer only.

Rewards net of annual fees (balanced scenario): $577.25
+ First-year fee rebate: $199
+ Offer (first 12 months): $1,249
= Estimate for this profile, offer included: $2,025.25

Basket breakdown · Balanced reference scenario

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

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

The whole selected basket goes on this card, per the certified balanced scenario. Fees counted once; first-year rebate only when the published offer confirms it; rewards on required spending never counted twice.

Welcome offer

Current offer

Welcome bonus: Up to 70,000 points VIPorter
Conditions: 3 tiers, up to $18,000 in spending within 12 months (cumulative total to confirm with the issuer)

See the tier-by-tier detail

20,000 points earned when you spend $5,000 within 110 days Spend $5,000 within 4 months

20,000 points earned when you spend $9,000 within 180 days Spend $9,000 within 6 months

30,000 points earned when you spend $18,000 within 365 days Spend $18,000 within 12 months
Annual fee rebate: $199
End date: October 31, 2027
Offer quality: Fair Futello rating grid
Last verified: Verified today

Offer reduced — August 24, 2026 · required spend

Email me if this offer changes Remind me before it ends

Offer history: too short to compare

Earlier offer · observed in 2026 3 points $100 in spending within 0 months
September 23, 2026 70,000 points $18,000 in spending within 12 months current offer

Facts from the issuer’s official site and Futello’s verified history. How offers are evaluated

Rewards

Category	Reward
Other purchases	1 point per dollar
Restaurants, Groceries, Hotels, and Travel	2 points per dollar
Porter Airlines purchases	3 points per dollar

Cap not documented for every category.

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Sources and uncertainties

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

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