$75
$125
BMO VIPorter World Elite Mastercard®∗ and $75 $125 from FinlyWealth**
Promotional rebate expires on
BMO Rebate Processing Information
BMO rebates typically have a longer processing time compared to other financial institutions. We recommend saving your application reference number after applying for future reference.
This timeline is entirely determined by BMO's internal processes. BMO independently manages their verification process and only sends approval confirmations to us once per month (around the 15th). We have no ability to expedite this process. Once we receive confirmation from BMO, we promptly process your rebate within 5 days. Without your reference number, BMO may not be able to locate your application in their system if it's missing from their report, which is outside our control. If your approval isn't included in a month's report from BMO, it will appear in their following month's report, potentially extending the timeline for your rebate.
If you haven't received your rebate within 30-45 days after your card approval, please file a ticket for us.
Offer Terms
** Terms and conditions apply.
- Subject to approval
- For new cardholders only
How it Works
- 1.Sign in or create a new FinlyWealth account.
- 2.Click the offer link provided in order to be redirected to the merchant's page.
- 3.Make sure to add your Interac e-Transfer email to your Finly profile for us to process payments.
- 4.Complete your application or purchases in one go.
- 5.Once approved, the institution will report the transaction to us based on their reporting schedule, which can vary from 3-5 days to 1-2 months. Your Finly cashback profile will reflect that as soon as we receive a status update.
- 6.Rebate payments are generally processed within 5 business days of receiving transaction confirmations, however it may vary depending on payment processing times.
Card Details
Info
Card Type | Credit |
Reward Type | Points |
Our Rating | 4.5/5 |
Institution | BMO |
Loyalty Program |
Fees & Rates
Annual Fee | $199 (first year waived) |
Interest Rates | Purchase: 21.99% Cash Advance: 23.99%□ Balance Transfer: 23.99%□ □ Quebec rates: Cash advance 21.99%, Balance transfer 21.99% |
Eligibility
Credit Score Estimate | Good |
Annual Income | Personal: $80,000 Household: $150,000 |
Bonuses
Welcome Bonus | Get up to 70,000 VIPorter points and a round-trip companion pass.* Plus receive $1,000 in Qualifying Spend.* |
Description | 20,000 bonus VIPorter points after spending $5,000 in eligible purchases within the first 110 days*. 20,000 bonus VIPorter points + one round-trip companion pass (max 2 passengers) + $1,000 in Qualifying Spend credited to your VIPorter account to help you reach the next VIPorter Avid Traveller membership after spending $9,000 in eligible purchases within the first 180 days*. 30,000 bonus VIPorter points after spending $18,000 in eligible purchases within the first 365 days*. Offer ends July 1, 2025*. |
Rebate Timeline
Posting Time
30-45 days from application submission
Locking Time
30-60 days from application approval
Application Submitted
You submit your application
Pending Verification
BMO determines your eligibility
Expected: 30 daysFinal Approval
Rebate is approved
Expected: 30 daysPayments & Privacy
- •We take privacy serious and believe in keeping your information the way it's meant to be - private. We ask for minimal information to reduce exposure and secure any personal information stored using the latest industry standards.
- •Payments are sent via Interac e-Transfer through our secure automated payment system. We often use Wise as our payment processor. If your Interac requires a password to accept payments, Wise will send you the PIN via email, otherwise the cash payment will be auto-deposited directly into your bank account. You do not need to have a Wise account to accept payments.
Helpful Tips
Don't switch devices
Making sure to complete the process in one go without switching devices will help to avoid unforeseen tracking issues.
Avoid cookie or ad blockers
Most of our tracking process is done through browser cookies, hence blocking them would introduce potential tracking issues. Don't use incognito mode either.
Read eligibility criteria
It's generally recommended to read and understand the eligibility criteria before you apply for a financial product.
User Reviews
See our full list of reviews on Trustpilot
Footnotes:
* †† Applications for the BMO VIPorter Mastercard or BMO VIPorter World Mastercard must be received between March 21, 2025 and July 1, 2025 (the "Offer Period") to be eligible for this offer. This offer is not available to current or former cardholders who reinstate a closed account or open a new account for the same card during the Offer Period. Existing BMO credit card cardholders who transfer into this product during the Offer Period are not eligible for this offer. If the Credit Card is cancelled within 365 days from the date it was opened, the welcome bonus earned within that period may be cancelled. This offer may be withdrawn or changed without notice.
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