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Carte IQ catalogue profile
BMO VIPorter Mastercard
- Institution
- BMO
- Network
- Mastercard
- First-year fee
- $0 — first year free ($89 rebate)
- Annual fee thereafter
- $89
- Program
- VIPorter
Carte IQ estimate Estimated net value — first year $883.06 CAD
This estimate combines the card’s ongoing value in a balanced scenario with the portion of its welcome offer earned during the first 12 months.
- Ongoing net value in the scenario
- $105.06 CAD
- Recurring annual fee already deducted
- $89 CAD
- Welcome-offer value earned during the first 12 months
- $689 CAD
- First-year fee
- $0 — first year free ($89 rebate)
Balanced reference scenario
Value calculated with a balanced spending basket of $36,000 CAD per year.
- Everyday purchases$11,250 CAD
- Gas / charging$4,500 CAD
- Groceries$11,250 CAD
- Pre-authorized payments$4,500 CAD
- Restaurants$4,500 CAD
The total amount matches the selected level and is applied entirely to this card. Rewards are projected from the certified balanced scenario; fees are never multiplied. A first-year fee rebate is applied only when confirmed in the published offer. Ordinary rewards on required spending are not counted twice.