How to apply for the BMO VIPorter World Elite Mastercard
The BMO VIPorter World Elite Mastercard is the premium version of BMO’s co-branded cards with Porter Airlines. It is designed for travelers who fly Porter frequently and want to save money through free baggage, priority services, and companion benefits, while also earning VI Porter points on everyday spending.
Below you will find who this card is recommended for, how to apply step by step, how to cancel it if needed, and answers to the most common questions.
Who this card is recommended for
This card is not meant for every type of traveler. It works best for:
- People who fly with Porter Airlines several times per year.
- Travelers who often fly with a companion and can use the companion voucher.
- Cardholders who can comfortably meet the minimum spending requirements for the welcome bonus and annual benefits.
- Users who value airport convenience, such as priority check-in, priority boarding, and free seat selection.
On the other hand, this card is not ideal for:
- People who rarely travel or almost never use Porter Airlines.
- Users who prefer flexible points that can be transferred to many airlines.
- Those who avoid annual fees or prefer simpler reward programs.
Basic requirements
While approval criteria may vary, BMO usually requires:
- Legal residency in Canada.
- Minimum age required for credit contracts.
- Good to excellent credit history.
- Income that meets World Elite Mastercard standards.
- Valid personal identification documents.
BMO may request income verification or additional documents during the review process.
How to apply for the BMO VIPorter World Elite Mastercard
Step 1 – Visit the official BMO website
Go to the Bank of Montreal (BMO) website and navigate to the credit cards section. Search for BMO VIPorter World Elite Mastercard.
Step 2 – Review the card details carefully
Before applying, check:
- Annual fee
- Welcome bonus structure
- Point earning rates
- Baggage and companion benefits
- Current terms and conditions
This helps you avoid surprises after approval.
Step 3 – Click “Apply Now”
Once you find the card, click the application button to start the online form.
Step 4 – Enter your personal information
You will need to provide:
- Full legal name
- Home address
- Date of birth
- Phone number and email
- Residency status in Canada
Make sure all information is accurate.
Step 5 – Provide financial information
BMO will request:
- Annual income
- Employer or source of income
- Estimated monthly expenses
- Housing situation (rent, mortgage, or owned)
These details are used to assess your credit capacity.
Step 6 – Authorize the credit check
You must consent to a credit inquiry so BMO can evaluate your credit profile.
Step 7 – Submit your application
Review everything carefully and submit the form.
Step 8 – Wait for the decision
In many cases, approval is instant. In others, BMO may:
- Ask for additional documentation
- Request proof of income
- Send the final decision by email within a few business days
Step 9 – Receive and activate your card
If approved:
- Your card will arrive by mail.
- Activate it through the BMO app, website, or phone service.
You can then begin earning points and using the benefits.
How the welcome bonus works
The welcome bonus is released in stages based on spending thresholds:
- First portion after meeting the minimum spending requirement in the first few months.
- Second portion after reaching a higher spending level within six months.
- Final portion after meeting the total required spending within the first year.
It is important to plan your spending carefully and avoid unnecessary purchases just to reach these thresholds.
How to cancel the card
If the card no longer fits your needs, you can cancel it easily:
- Contact BMO customer service by phone or through the mobile app.
- Request to close your credit card account.
- Pay off any remaining balance.
- Redeem any unused VI Porter points beforehand, if applicable.
- Ask for confirmation or a reference number.
It is usually best to cancel after using your annual benefits and before the next annual fee is charged.
Important things to consider before applying
- Estimate how many Porter flights you take each year.
- Calculate how much value you will get from free baggage and companion benefits.
- Compare this card with Aeroplan, WestJet, or transferable-points cards.
- Check if there is a first-year annual fee waiver promotion.
- Avoid carrying a balance, as interest charges can quickly cancel out the value of rewards.
FAQ – Frequently asked questions
1. Is this card worth it if I travel alone?
It can be, mainly because of the free checked bag and carry-on, but the biggest value comes when traveling with companions.
2. Do VI Porter points expire?
Generally, points do not expire as long as your account remains active, but current rules should always be confirmed.
3. Can I use the card outside Canada?
Yes. It works internationally, although the best earning rates apply to Porter purchases.
4. Is the companion voucher guaranteed every year?
Only if you meet the annual spending requirement set by the bank.
5. Can I apply if I already have another BMO card?
Yes, as long as you meet the income and credit requirements.
Conclusion
The BMO VIPorter World Elite Mastercard is a niche product created for loyal Porter Airlines travelers. For frequent Porter flyers, the free baggage allowance, airport priority services, and companion benefits can easily justify the annual fee.
For users who travel occasionally, prefer other airlines, or want flexible international redemptions, cards with transferable points or larger airline programs usually provide better long-term value.
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