BMO · Mastercard
BMO VIPorter Mastercard
Travel points, earns VIPorter points
Welcome offer
Verified · Oct 11Up to 40,000 VIPorter points
Earn 10,000 points when you spend $3,000 within 110 days, plus 15,000 points when you reach $6,000 within 180 days, plus 15,000 points when you reach $10,000 within 365 days. First year free.
- Minimum spend
- $10,000 in 12 months
- Apply by
- October 31, 2026
Checked on October 11, 2026. See the source page
See this card on the issuer's website ↗Fees and requirements
- Annual fee
- $89, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Income requirement
- Not stated
- Costco in store
- Accepted (Costco takes only Mastercard in store)
Fees and rates were imported on September 6, 2026, and the annual fee has been checked.
Welcome offer history
I have tracked this card's welcome offer since October 11, 2026, and it has not changed. Each time it changes, the old offer will be struck through and kept here.
- Now · Checked October 11, 2026Up to 40,000 VIPorter pointsSpend $10,000 in 12 months · Annual fee $89 · First year free
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 1× VIPorter | about 1% |
| Dining and delivery | 1× VIPorter | about 1% |
| Gas and EV charging | 1× VIPorter | about 1% |
| Recurring bills | 0.5× VIPorter | about 0.5% |
| Transit | 1× VIPorter | about 1% |
| Drugstores | 0.5× VIPorter | about 0.5% |
| Travel | 0.5× VIPorter | about 0.5% |
| Entertainment | 0.5× VIPorter | about 0.5% |
| Phone and internet | 0.5× VIPorter | about 0.5% |
| Streaming | 0.5× VIPorter | about 0.5% |
| Online shopping | 0.5× VIPorter | about 0.5% |
| Convenience stores | 0.5× VIPorter | about 0.5% |
| Office supplies | 0.5× VIPorter | about 0.5% |
| Other spending | 0.5× VIPorter | about 0.5% |
Checked against the issuer's page on October 7, 2026. High-return categories usually have a monthly or annual cap, and issuers exclude some merchants. See the source page
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- 8 day(s)
- Travel medical (age 64 and under)
- 8 day(s)
- Travel accident
- Included
- Flight delay
- Included
- Baggage delay
- Included
- Lost baggage
- Included
- Rental car collision
- 48 day(s)
- Hotel burglary
- Included
- Extended warranty
- 1 year
- Purchase protection
- 90 day(s)
Coverage amounts and number of days are as stated in the certificate of insurance.