BMO · Rewards Calculator
BMO VIPorter World Elite MastercardRewards Calculator
| Category | Earn Rate |
|---|---|
| Porter purchases (flights, baggage, travel expenses) | 3 points per $1 |
| Travel (gas, transportation) | 2 points per $1 |
| Groceries & dining | 2 points per $1 |
| Hotel accommodations | 2 points per $1 |
| All other purchases | 1 point per $1 |
Enter Your Monthly Spending
We'll calculate your VIPorter points earnings by category
Supermarkets & grocery stores
Restaurants, takeout, food delivery
Gas stations & EV charging
Public transit, Uber, taxis
Flights, hotels, car rentals
Netflix, Spotify, digital subs
Phone, internet, utilities
Pharmacies & drugstores
Movies, events, concerts
Everything else
Enter your monthly spending above
Fill in how much you spend in each category to see a detailed breakdown of your VIPorter points earnings with the BMO VIPorter World Elite Mastercard.
Or try a quick-fill preset to get started
Ready to apply for the BMO VIPorter World Elite Mastercard?
Read our full review for detailed information on benefits, insurance coverage, and how to maximize your VIPorter points.
Welcome Bonus
Bonus
70,000 VIPorter points + round-trip companion pass
~$700 estimated value
How to Earn It
20,000 VIPorter points
Spend $5,000 first 110 days
20,000 VIPorter points + round-trip companion pass + $1,000 Qualifying Spend
Spend $9,000 first 180 days
30,000 VIPorter points
Spend $18,000 first 365 days
Offer Expires
2026-10-31
Card Details
- Annual Fee
- No annual fee
- Additional Card Fee
- Free
- Network
- Mastercard
- Rewards Program
- VIPorter
- Purchase Interest Rate
- 21.99%
- Cash Advance Rate
- 23.99%
- Foreign Transaction Fee
- 2.5%
- Min. Income Required
- $80,000
- Lounge Access
- No
- Companion Voucher
- Yes
Insurance & Perks
- Emergency medical insurance (details in certificate of insurance)
- One round-trip companion pass per year on Porter Airlines
How to Use the BMO VIPorter World Elite Mastercard Rewards Calculator
This calculator helps you estimate how many VIPorter points you can earn each month and year based on your real spending habits. Enter your average monthly spending in each category above — groceries, dining, gas, transit, travel, streaming, and more — and the calculator will automatically apply the BMO VIPorter World Elite Mastercard's earn rates to show you a complete breakdown.
Understanding BMO VIPorter World Elite Mastercard Earn Rates
The BMO VIPorter World Elite Mastercard earns VIPorter points at different rates depending on the spending category. Here's how the card's tiered earn structure works:
- Porter purchases (flights, baggage, travel expenses): 3 points per $1
- Travel (gas, transportation): 2 points per $1
- Groceries & dining: 2 points per $1
- Hotel accommodations: 2 points per $1
- All other purchases: 1 point per $1
By focusing your spending on the highest-earning categories, you can maximise the value you get from the BMO VIPorter World Elite Mastercard. Use the presets above to quickly model different spending profiles and see how your rewards change.
Maximising the Value of Your VIPorter points
The true value of your VIPorter points depends on how you redeem them. As part of the VIPorter program, you have several redemption options available — from travel bookings to transfer partners. Use the point valuation slider in the calculator to see how different redemption strategies affect the dollar value of your earnings.
No Annual Fee Advantage
One of the benefits of the BMO VIPorter World Elite Mastercard is that it has no annual fee, meaning every point you earn is pure value. There's no annual cost to offset, so even modest spending can deliver meaningful rewards over time.