Porter’s credit cards are issued by BMO and earn VIPorter points toward Porter flights. The BMO VIPorter World Elite Mastercard ($199 a year) adds a free checked bag for you and up to 8 guests on the same booking, while the BMO VIPorter Mastercard ($89 a year) is the cheaper way in. Here’s what each card earns, what the perks are worth, and who should get which.
Porter credit card calculatorEnter what you spend in a year to see the points and value each BMO VIPorter card earns.
Your yearly spending
World Elite after fee
Mastercard after fee
Difference
a year, after fees
Where the points come from
| Spending | Mastercard | World Elite |
|---|
The Porter cards at a glance
| VIPorter World Elite Mastercard | VIPorter Mastercard | |
|---|---|---|
| Annual fee | $199 (waived year one) | $89 (waived year one) |
| Additional cards | $75 each | $35 each (up to 3 rebated year one) |
| Income needed | $80,000 personal or $150,000 household | Not listed on BMO’s page |
| Porter purchases | 3 points per $1 (first $20,000 a year) | 2 points per $1 (first $10,000 a year) |
| Everything else | 1 point per $1 | 0.5 points per $1 |
| Free checked bag | Yes, for you and up to 8 guests on the booking | No |
| Companion benefit | 100% off a companion’s base fare after $50,000 spend | 35% off base fares after $25,000 spend |
| Travel medical | 21 days per trip | 8 days per trip |
| Foreign transaction fee | 2.5% | 2.5% |
There’s also a BMO VIPorter World Mastercard. It has the same fee and earn rates as the VIPorter Mastercard, with a few extra Mastercard network benefits, so everything we say about the Mastercard applies to it too.
How many points each card earns
| Spending | World Elite | Mastercard |
|---|---|---|
| Porter purchases | 3 per $1 on first $20,000, then 1 | 2 per $1 on first $10,000, then 0.5 |
| Groceries and dining | 2 per $1 on first $10,000, then 1 | 1 per $1 on first $5,000, then 0.5 |
| Gas and transportation | 2 per $1 on first $5,000, then 1 | 1 per $1 on first $3,000, then 0.5 |
| Hotels | 2 per $1 on first $5,000, then 1 | 1 per $1 on first $3,000, then 0.5 |
| Everything else | 1 per $1 | 0.5 per $1 |
Porter bonus points apply only to purchases made directly with Porter, not through PayPal. Every $25 you spend on either card also gives you $1 of Qualifying Spend toward VIPorter status.
Travel perks on Porter flights
| Perk | World Elite | Mastercard |
|---|---|---|
| First checked bag | Free for you, authorized users and up to 8 guests on the same booking | Not included |
| Carry-on and seat selection | Free carry-on on all fares, free PorterClassic seats in row 8 and back | Not included |
| Priority services | Dedicated check-in, priority security where available, early boarding, priority standby | Dedicated check-in, early boarding, priority re-accommodation |
| Companion benefit | Round-trip pass, 100% off one companion’s base fare, after $50,000 spend in a card year | 35% off the base fare for up to 4 people, after $25,000 spend in a card year |
| VIPorter status | Venture tier while you hold the card | Passport tier while you hold the card |
| Lounge access | Mastercard Travel Pass membership (visits cost US$32 each) | Not included |
The free bag doesn’t apply to group bookings of 10 or more, or to fares that already include a checked bag. Companion benefits cover the base fare only: taxes and fees are extra, and the World Elite pass works on Porter-operated PorterClassic flights.
Insurance
| Coverage | World Elite | Mastercard |
|---|---|---|
| Travel medical (age 64 and under) | 21 days per trip, up to $5 million | 8 days per trip, up to $5 million |
| Trip cancellation | $1,500 per person | Not included |
| Trip interruption | $2,000 per person | Not included |
| Flight delay (over 4 hours) | $500 | $500 |
| Lost or delayed baggage | $500 per person | $500 per person |
| Rental car | Up to 48 days | Up to 48 days |
| Purchase protection and extended warranty | 90 days, plus up to 1 extra year of warranty | 90 days, plus up to 1 extra year of warranty |
Is a $199 fee worth it on your spending?
Try the annual fee calculator →What VIPorter points are worth
- Flights only. You redeem points on Porter flights through your VIPorter account, and on some Air Transat and Alaska Airlines flights, subject to availability.
- Base fare only. Points can’t pay taxes and fees. You can pay part of a base fare with points and the rest with your card.
- No fixed chart. The points needed depend on the fare. Porter’s card page shows short flights starting from about 5,000 points one way, plus taxes.
- About 1.5¢ a point. That’s BMO’s own estimate for flight redemptions, based on 2024 data. Your value depends on the fares you book, so our calculator also lets you use a more cautious 1¢.
- No expiry while your card account is open and in good standing.
Fees and interest rates
| World Elite | Mastercard | |
|---|---|---|
| Annual fee | $199 | $89 |
| Purchase interest | 21.99% | 21.99% |
| Cash advances and balance transfers | 23.99% (21.99% in Quebec) | 23.99% (21.99% in Quebec) |
| Foreign transaction fee | 2.5% | 2.5% |
If you carry a balance, interest will cost far more than the points are worth. See what a balance costs with our credit card interest calculator.
Who should get which card
| You are… | Best pick | Why |
|---|---|---|
| A family or group flying Porter and checking bags | World Elite | Free first bag for up to 9 people on one booking |
| A Porter flyer who travels with carry-on only | Mastercard | Lower fee, still 2x on Porter and priority boarding |
| A big spender ($50,000+ a year on the card) | World Elite | Companion pass each card year |
| Someone who flies Porter once a year or less | Neither | A flexible travel or cash back card will likely earn more |
| Shopping in U.S. dollars often | Neither as your main card | Both charge a 2.5% foreign transaction fee |
If you want to compare with other travel rewards, see what each rewards program is worth and cash back vs. travel points.
Frequently asked questions
Is the Porter credit card worth it?
It’s worth it if you fly Porter a few times a year. The World Elite’s free checked bag covers you and up to 8 guests on the same booking. If your family checks bags, that perk alone can add up quickly. If you rarely fly Porter, a general travel or cash back card will usually earn more.
Who issues the Porter credit card?
BMO issues the Porter cards on the Mastercard network. They launched in March 2025 and come in three versions: the VIPorter Mastercard, VIPorter World Mastercard and VIPorter World Elite Mastercard.
Does the Porter credit card give a free checked bag?
Only the BMO VIPorter World Elite Mastercard does. The first checked bag is free for the primary cardholder, authorized users and up to 8 guests on the same booking. The VIPorter Mastercard doesn’t include a free bag.
What is the annual fee on the Porter credit card?
$199 for the World Elite and $89 for the VIPorter Mastercard. Both waive the primary card’s fee in the first year.
How much are VIPorter points worth?
BMO estimates about 1.5 cents a point when you redeem for Porter flights, based on 2024 data. Points pay the base fare only, not taxes and fees, so your value depends on the fare.
Can I use VIPorter points to pay taxes and fees?
No. Porter says points can only be applied to the base fare. You pay taxes and fees with another payment method.
Does the Porter credit card charge foreign transaction fees?
Yes. Both BMO VIPorter cards charge a 2.5% foreign transaction fee on purchases in other currencies.
Related reading
- Best travel credit cards: eight picks for trips, compared
- All credit card reviews: reviews and best-card shortlists
- Rewards programs: what points are worth
- Cash back vs. travel points: which type fits you
- Annual fee calculator: when a fee pays for itself
- Best no-fee credit cards: if you rarely fly
- Rogers credit card review: cash back and foreign currency
- Amex Bonvoy card review: a free hotel night every year
- WestJet credit card review: World Elite vs WestJet RBC Mastercard
How we checked: Fees, interest rates and the foreign transaction fee come from BMO’s VIPorter disclosure. Earn rates, caps and perks come from BMO’s benefit guides and Porter’s credit card page, and insurance from BMO’s insurance summaries. The 1.5¢ point value is BMO’s own estimate. We left out welcome offers because they change often. The calculator values points only; it doesn’t put a dollar value on bags or priority services. This review is general information, not financial advice. Sources: BMO VIPorter fees and rates (PDF); Porter: VIPorter credit cards; Porter: VIPorter FAQ; World Elite benefit guide (PDF); Mastercard benefit guide (PDF); World Elite insurance summary (PDF); Mastercard insurance summary (PDF); BMO VIPorter World Elite Mastercard; BMO Private Wealth VIPorter sheet (PDF); BMO launch announcement. Last checked October 2026.