BMO VIPorter World Mastercard

Published minimum income $50,000

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.

Estimate with my spending

Futello estimate

Net value, first year

$600.00

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

Fee: $0 in year one ($89 rebate), then $89

Offer verified on November 5, 2026

View the official page

View calculation details

Offer (first 12 months): $689.00
− First-year fees: $89.00
= First-year net value: $600.00

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): $299.13
+ First-year fee rebate: $89
+ Offer (first 12 months): $689
= Estimate for this profile, offer included: $1,077.13

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 40,000 points VIPorter
Conditions: 3 tiers, up to $10,000 in spending within 12 months (cumulative total to confirm with the issuer)

See the tier-by-tier detail

10,000 points earned when you spend $3,000 within 110 days Spend $3,000 within 4 months

15,000 points earned when you spend $6,000 within 180 days Spend $6,000 within 6 months

15,000 points earned when you spend $10,000 within 365 days Spend $10,000 within 12 months
Annual fee rebate: $89
End date: October 31, 2027
Offer quality: Fair Futello rating grid
Last verified: Verified today

Email me if this offer changes

Offer history: too short to compare

Earlier offer · observed in 2026 2 points $50,000 in spending within 0 months
September 23, 2026 40,000 points $10,000 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	0.5 points per dollar
Restaurants, Groceries, Hotels, and Travel	1 point per dollar
Porter Airlines purchases	2 points per dollar

Cap not documented for every category.

Go further

Sources and uncertainties

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

View source