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BMO VIPorter World Elite Mastercard (Quebec) Review: Fees, Rates and Rewards

A Canadian comparison of BMO VIPorter World Elite Mastercard (Quebec), using current institution-supplied details from the FCAC catalog.

By SCFinance Data Team · edited by SCFinance Editorial TeamUpdated Sep 7, 2026 Fact checkedEditorial integrity

The bottom line

BMO VIPorter World Elite Mastercard (Quebec) is estimated to earn 0.00% in ongoing rewards. Under the Toronto everyday profile ($30,000/year, pays in full), that is $0 in annual rewards and -$274 after quantified perks, fees and costs.

1.5
SCFinance score
rewards
1.0
fees
1.0
interest
2.2
perks
1.3
fit
1.0
data confidence
4.4
See the dollar-value calculationExplain this score

Annual rewards

$0

Quantified perks

$0

Annual fee

−$199

Foreign-currency cost

−$75

Estimated ongoing value

-$274

Confidence-adjusted value

-$235.64

Estimated reward return: 0.00% · Data confidence: 86%

No rewards value

Based on the Toronto everyday profile: $30,000 annual spend, Ontario availability and full monthly payment. Welcome offers are kept separate from ongoing value.

BMO VIPorter World Elite Mastercard (Quebec) card
Apply now

on BMO's website

Rates & Fees

BMO VIPorter World Elite Mastercard (Quebec)

Annual fee
First card: $199.00 Second card: $75.00
Rewards rate
N/A
Purchase interest rate
21%
Cash advance rate
21%
Foreign conversion fee
2.5%

Pros

  • ✓ 0.00% estimated ongoing rewards return

Cons

  • ✕ $199 annual fee
  • ✕ $75 estimated annual foreign-currency cost in the comparison profile
  • ✕ Actual value depends on your spending, redemption choices and eligibility

Benefits and perks

  • N/A

  • Insurance information

    Travel accident: Included Travel medical: Included Travel cancellation: Included Travel interruption: Included Flight delay: Included Baggage: Included Rental vehicle: Included

Compare to other cards

№ 1

American Express Cobalt Card

american express · Amex Bank of Canada
3.0
SCFinance score
Apply now

on Amex Bank of Canada's website

Rates & Fees
First card: $191.88 Second card: No feeAnnual fee
1x-5xPointsRewards rate
21.99%Purchase interest
21.99%Cash advance
2.5%FX fee
N/AMin. income
Our take

American Express Cobalt Card is estimated to earn 3.72% in ongoing rewards using American Express Membership Rewards at 1¢ per point. Under the Toronto everyday profile ($30,000/year, pays in full), that is $1,116 in annual rewards and $849 after quantified perks, fees and costs.

Read our full review →

Rewards breakdown
  • 5x Travel Groceries Gas General merchandise. Membership Rewards® program.
Card details
  • Travel Groceries Gas General merchandise
  • Membership Rewards® program.
  • FCAC annual-fee disclosure: First card: $191.88 Second card: No fee
  • Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT
№ 2

American Express Essential Credit Card

american express · Amex Bank of Canada
2.5
SCFinance score
Apply now

on Amex Bank of Canada's website

Rates & Fees
First card: $25.00 Second card: No feeAnnual fee
N/ARewards rate
12.99%Purchase interest
12.99%Cash advance
2.5%FX fee
N/AMin. income
Our take

American Express Essential Credit Card is estimated to earn 0.00% in ongoing rewards. Under the Toronto everyday profile ($30,000/year, pays in full), that is $0 in annual rewards and -$100 after quantified perks, fees and costs.

Read our full review →

Card details
  • N/A
  • FCAC annual-fee disclosure: First card: $25.00 Second card: No fee
  • Availability: AB, BC, MB, NB, NL, NS, NT, NU, ON, PE, QC, SK, YT
Compare these side by side

Frequently asked questions

Where is BMO VIPorter World Elite Mastercard (Quebec) available?

Our FCAC source lists this card for QC. Confirm current residency requirements with BMO before applying.

Are the rates and fees guaranteed?

No. Rates, promotions and eligibility can change. SCFinance shows the latest synchronized record and links to the issuer so you can confirm the disclosure before applying.

Sources and methodology

Product facts were last checked September 7, 2026. Review the primary product source

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