Rewards programs

VIPorter

Program run by Porter Airlines (cards issued by BMO). Here is what one VIPorter point is worth, how to redeem it and the cards that earn the most of it.

  • Values taken from official pages or from an announced specialist benchmark
  • Cards ranked by net value, annual fees deducted
  • Official pages reread regularly

Official program site All programs

Value of one point

Where the value comes from
Fixed redemption published by the program
Source
BMO Bank of Montreal
Verification
Verified on October 8, 2026 Source up to date

“Based on the average value of actual VIPorter flight redemptions, 1 VIPorter point is worth about 1.5 cents.”

Restrictions

  • Points apply to the base fare only; VIPorter publishes no fixed cash value.
  • Porter's own pages refuse automated readers; the BMO card page is the readable official source.

Programs do not issue the same number of points per dollar: to compare two programs, look at the return per dollar spent, not the value of a point.

Excerpts are quoted in the language of their source.

Cards that earn these points

Annual spending levels

Each level is a basket of annual spending split across everyday categories. The returns and the ranking are recomputed for that basket.

  • Moderate — $24,000 / year
  • Standard — $36,000 / year
  • High — $60,000 / year

In a personalized analysis, your actual spending replaces this reference basket.

Ranked by annual net value on the standard reference basket ($36,000 of spending a year), annual fees fully deducted.

Rank Card Network Annual fee Annual net value Earning Limitations
1 BMO VIPorter World Elite Mastercard Mastercard $199 $557 Range: -$199 to $557
  • Porter: 3 points / $ (4.5¢ per dollar)
  • Dining: 2 points / $ (3¢ per dollar)
  • Groceries: 2 points / $ (3¢ per dollar)
  • Hotels: 2 points / $ (3¢ per dollar)
  • Travel: 2 points / $ (3¢ per dollar)
  • Everyday purchases: 1 point / $ (1.5¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Groceries Cap: Hotels Cap: Restaurants Cap: Travel
2 BMO VIPorter Mastercard Mastercard $89 $289 Range: -$89 to $289
  • Porter: 2 points / $ (3¢ per dollar)
  • Dining: 1 point / $ (1.5¢ per dollar)
  • Groceries: 1 point / $ (1.5¢ per dollar)
  • Hotels: 1 point / $ (1.5¢ per dollar)
  • Travel: 1 point / $ (1.5¢ per dollar)
  • Everyday purchases: 0.5 points / $ (0.75¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Groceries Cap: Hotels Cap: Restaurants Cap: Travel
3 BMO VIPorter World Mastercard Mastercard $89 $289 Range: -$89 to $289
  • Porter: 2 points / $ (3¢ per dollar)
  • Dining: 1 point / $ (1.5¢ per dollar)
  • Groceries: 1 point / $ (1.5¢ per dollar)
  • Hotels: 1 point / $ (1.5¢ per dollar)
  • Travel: 1 point / $ (1.5¢ per dollar)
  • Everyday purchases: 0.5 points / $ (0.75¢ per dollar)
 Foreign exchange fee assumed Cap: Everyday purchases Cap: Groceries Cap: Hotels Cap: Restaurants Cap: Travel

Return computed with the value used for the ranking: 1.5¢ per point.

How to use your points

The redemption options the program publishes, with the value of a point when it is fixed.

  • Flight rewards

    Porter flights (points or points plus cash)

    Variable value, not published

    “VIPorter points may only be applied toward base fare, and not toward any other taxes, fees or charges.”

    • Points required vary with the fare price.
    Official source

Transfer partners

This program publishes no transfer partner.

Expiry and minimum redemption

Point expiry
“If you do not earn or redeem points at least once within 24 consecutive months your VIPorter points will expire. With the BMO VIPorter Mastercards, your VIPorter points will not expire as long as you are an active cardholder.” Official source
Minimum redemption
No published rule is listed.

Welcome offers in VIPorter points

Current offers on the cards of this program. Their value is not part of the ranking above.

View all offers

How to read this ranking

The ranking compares the cards of one program on a single scenario, so the gaps come from the cards and not from the assumptions.

  • Reference basket, standard level: $36,000 of spending a year, spread over everyday categories.
  • High-spend profile; reference province: Quebec.
  • Annual fees fully deducted from the value.
  • Welcome offers excluded: only the recurring value counts.

Your spending is different? See the best cards by use or the strategies by profile.

Limitations of this page

  • Cards are ranked on the standard reference basket of a high-spend profile; your actual spending may change the order.
  • Recurring annual fees are fully deducted from each card’s value.
  • Transfer partners and rates are those read on the official pages; a program may change them without notice.
  • The value of welcome offers is not part of the card ranking.