Earn Rates
💡 2x on Porter. 1x everything else.
Welcome Bonus
Smart Bonus Strategy — Earn 28,000 points
See spend breakdown below
Minimum spend bonus
Spend $3,000 in 4 months
10,000 pts × 1.4¢+$140Minimum spend bonus
Spend $3,000 in 6 months
optimal stop15,000 pts × 1.4¢+$210Min. spend earnings3,000 pts × 1.4¢+$42
Annual fee (waived yr 1)$0
Net first-year value+$392
Not Included in Smart Bonus Strategy
15,000 points after $10,000 within 365 days
Spend $4,000 in 12 months
Only 5.3% return — optimal tier earns 6.5%
15,000 pts × 1.4¢+$210Annual Rewards Calculator
Based on average spending, you could earn
$363
conservative est.·up to $717 optimistic
Compare to Similar Cards
BMO VIPorter World Elite Mastercard
BMO VIPorter1.4¢ – 2.5¢
$199 annual fee
you could earn$654
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MBNA Smart Cash World Mastercard
Cash Back1.0¢ exact
$39 annual fee
you could earn$438
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