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The BMO VIPorter World Elite Mastercard waives the $199 annual fee in the first year.
Welcome offer
Get up to 70,000 VIPorter points and a round-trip companion pass. Plus receive $1,000 in Qualifying Spend.
+$125 extra cash back paid by FinlyWealth when you apply through our link and are approved.
Year-one value: $825 — 70,000 VIPorter × 1¢ = $700 + $125 extra cash back · first-year fee waived. How we count
Key facts
Pros
- First-year fee rebate
- Generous welcome bonus
- Solid everyday earning opportunities
- Impressive Porter redemptions
- Comprehensive coverage
- Valuable travel perks
Cons
- Higher annual fee
- Companion pass spending requirement
- Limited redemption opportunities
- Spending caps
- High income requirements
All BMO cards · Travel rewards cards · Airline cards
Similar cards
| Card | Welcome offer | Extra cash back | Annual fee | Purchase rate | Cash advance | FX fee | |
|---|---|---|---|---|---|---|---|
 Scotiabank | Earn up to $1,100 in welcome offers, first year rewards and savings value, including up to 65,000 bonus Scene+ points.Est. value $650 | +$150 cash back | $120 | 21.99% | 22.99% | 0% | Apply → |
 American Express | Up to 15,000 Membership Rewards® pointsEst. value $285 | +$75 cash backuntil Dec 30, 2026 | $191.88 | 21.99% | 21.99% | 2.5% | Apply → |
 Scotiabank | — | +$150 cash back | $150 | 20.99% | 22.99% | 0% | Apply → |
 American Express | Earn up to 85,000 Aeroplan points.Est. value $1,140 | +$150 cash backuntil Dec 30, 2026 | $599 | 21.99% | 21.99% | 2.5% | Apply → |
Card data from FinlyWealth, updated 2026-11-08. Rates, fees and offers change often — confirm the current terms on the issuer's site before applying. crediteasy.ca is independent and does not provide financial advice.