BMO · Mastercard
BMO VIPorter World Elite Mastercard
Travel points, earns VIPorter points
Welcome offer
Verified · Oct 11Up to 70,000 VIPorter points
Earn 20,000 points when you spend $5,000 within 110 days, plus 20,000 points when you reach $9,000 within 180 days, plus 30,000 points when you reach $18,000 within 365 days. First year free.
- Minimum spend
- $18,000 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
- $199, first year free
- Foreign transaction fee
- 2.5%
- Purchase rate
- 21.99%
- Cash advance rate
- 23.99%
- Income requirement
- Personal $80,000 or Household $150,000
- 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 70,000 VIPorter pointsSpend $18,000 in 12 months · Annual fee $199 · First year free
Rewards
What each category earns
| Category | Earn per $1 | Effective return |
|---|---|---|
| Groceries | 2× VIPorter | about 2% |
| Dining and delivery | 2× VIPorter | about 2% |
| Gas and EV charging | 2× VIPorter | about 2% |
| Recurring bills | 1× VIPorter | about 1% |
| Transit | 2× VIPorter | about 2% |
| Drugstores | 1× VIPorter | about 1% |
| Travel | 1× VIPorter | about 1% |
| Entertainment | 1× VIPorter | about 1% |
| Phone and internet | 1× VIPorter | about 1% |
| Streaming | 1× VIPorter | about 1% |
| Online shopping | 1× VIPorter | about 1% |
| Convenience stores | 1× VIPorter | about 1% |
| Office supplies | 1× VIPorter | about 1% |
| Other spending | 1× VIPorter | about 1% |
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
Benefits
- Priority boarding
- Yes
- Priority check-in
- Yes
Included insurance
- Travel medical
- Included
- Travel medical (age 54 and under)
- 21 day(s)
- Travel medical (age 64 and under)
- 21 day(s)
- Trip cancellation
- $2,000
- Trip interruption
- Included
- 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.