Even the banks are getting in on the Black Friday fun. Anyone who applies and gets approved for a BMO VIPorter World Elite Mastercard between November 12 to December 8, 2026, will get a share of 50 million bonus VIPorter points.
The share you receive is also in addition to the card's standard offer of 70,000 VIPorter points. On top of all this is our $125 GeniusCash offer.
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Claiming your share of 50 million VIPorter points
How does it work? To get your share of the 50 million VIPorter points, you first need to be a new BMO VIPorter World Elite Mastercard cardholder. Current and former cardholders are not eligible.
To get your slice of the pie, you have to spend $2,000 within 50 days of your account being opened, OR by February 1, 2027, whichever comes first.
On February 2nd, BMO will identify how many new cardmembers are eligible for the bonus, and your share of the points you earned will be credited within 8 weeks.
It goes without saying, but how many points you get all depends on how many people sign up and qualify during the promo period.
If BMO gets 1,000 new members, your share would be 50,000 points. If BMO gets 20,000 new cardholders, it's only 2,500.
Either way, it's extra bonus points you otherwise wouldn't have had.
×1 Award winner 
$125 GeniusCash + Get up 70,000 bonus points + Automatic VIPorter Venture membership.*
GC: $125
1x Award winner What the BMO VIPorter World Elite Mastercard offers
New to this card, or intrigued by what it offers? Here are the details.
Welcome bonus
The points you share are a supplement to the standard welcome offer. And it's quite good.
You'll earn 70,000 VIPorter points after spending $18,000 in the first year. Plus get a companion pass for a free flight for someone else travelling with oyu.
Earn rates
As for what you'll earn on purchases, you're covered on travel and some everyday purchases as well.
- 3 points per $1 spent on Porter
- 2 points per $1 spent on gas, transit, groceries, restaurants, and hotels
- 1 point per $1 spent on all other purchases
Spending $3,000 per month would get you roughly 54,000 VIPorter points per year.
We value a single VIPorter point at 2 when redeemed for flights on Porter. You can redeem them for flights on partners (Air Transat is the big one), but we advise against this as your points are worth considerably less when not redeemed on itineraries wholly operated by Porter.
Perks
There are plenty of perks associated with this card. And here are the unique ones worth highlighting.
VIPorter Venture status
The biggest benefit this card offers is automatic VIPorter Venture status. This Porter status comes with a bevy of benefits – here's a sampling of them.
- Free first checked bag
- Free PorterClassic seat selection
- Free carry-on bag on Porter basic fares
- Dedicated check-in lines
- Early boarding
Annual companion pass
As part of the welcome bonus, you'll get access to the companion pass in year 1. Afterwards, you'll have to spend $50,000 per year to get it.
Once you have access to it, you'll get to purchase a ticket for someone else travelling with you on the same reservation for just the taxes and fees.
Insurance
Like all BMO World Elite Mastercards, the insurance package included is quite good, with 11 types included.
Here are the full details on the coverage.
BMO VIPorter World Elite®* Mastercard®*
| Extended Warranty | 1 year |
| Purchase Protection | 90 days |
| Travel Accident | $500,000 |
| Emergency Medical Term | 21 days |
| Emergency Medical Maximum Coverage | $5,000,000 |
| Trip Cancellation | $1,500 |
| Trip Interruption | $2,000 |
| Flight Delay | $500 |
| Baggage Delay | $500 |
| Lost or Stolen Baggage | $500 |
| Hotel Burglary | $1,000 |
| Rental Car Theft & Damage | Yes |
Please review your insurance certificate for details, exclusions and limitations of your coverage.
Annual fee and income requirements
The annual fee is a little steep at $BMO VIPorter World Elite Mastercard, but it's also waived for the first year.
As for income requirements, you'll need either a personal income of $80,000 or a household income of $150,000 to qualify.
Our GeniusCash offer
To top everything off, we have our own special offer on the card.
You can earn $125 in GeniusCash when you get approved for this card through our offers page.
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