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January 25, 2022
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This article was last updated January 25, 2022 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.
Bank of America® Premium Rewards® credit card details updated Jan. 25, 2022.
| Best Credit Cards for Roadside Assistance | |
| Best overall credit card for roadside assistance | Chase Sapphire Reserve® |
| Best Chase cash back card for roadside assistance | Chase Freedom Unlimited® |
| Best Bank of America credit card for roadside assistance | Bank of America® Premium Rewards® credit card |
| Best Capital One credit card for roadside assistance | Capital One Venture Rewards Credit Card |
| Best Citi credit card for roadside assistance | Costco Anywhere Visa® Card by Citi |
| Best Wells Fargo credit card for roadside assistance | Wells Fargo Reflect℠ Card |
Roadside assistance — also sometimes referred to as roadside dispatch — is a benefit offered by some credit cards to provide help in the event you experience a flat tire, dead battery or other unexpected auto issues.
Depending on the card, eligible services may include towing, jumpstarts, fuel delivery, tire changes and lockout service. While some cards provide complimentary coverage up to a specific amount each incident, others charge a pre-negotiated rate per service call (cardholders will be responsible for any additional fees incurred beyond those amounts).
Based on the cards available on LendingTree.com and on major issuer sites, here are our picks for the best credit cards for roadside assistance for the following categories:
The Chase Sapphire Reserve® offers a roadside assistance benefit that covers up to $50 per incident four times per year. Coverage includes towing, tire changing, jump starts, lockout service, fuel delivery and standard winching.
Roadside assistance is available 24 hours a day, seven days a week in the U.S. and Canada by calling Cross Country Motor Club at 866-860-7978.
Note: If there are fees in excess of the $50 coverage per incident, the charges will be applied to your Chase credit card or other payment choice.
The Chase Sapphire Reserve® is a good fit for individuals looking for a luxury travel card with premium benefits, a lucrative sign-up bonus and generous rewards rate.
In addition to roadside assistance (which is covered up to $50 for each service event, up to four events each year), the card offers a $300 annual travel credit, a Global Entry or TSA Precheck application fee credit, complimentary airport lounge access, trip cancellation and interruption insurance, purchase protection and much more.
Cardholders also earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®.
Just know, the Chase Sapphire Reserve® comes with a hefty annual fee of $550. But considering the travel and purchase protections, credits, lounge access and valuable rewards program, the card is well worth its price tag.
The Chase Sapphire Reserve® offers a roadside assistance benefit that covers up to $50 per incident four times per year. Coverage includes towing, tire changing, jump starts, lockout service, fuel delivery and standard winching.
Roadside assistance is available 24 hours a day, seven days a week in the U.S. and Canada by calling Cross Country Motor Club at 866-860-7978.
Note: If there are fees in excess of the $50 coverage per incident, the charges will be applied to your Chase credit card or other payment choice.
The Chase Sapphire Reserve® is a good fit for individuals looking for a luxury travel card with premium benefits, a lucrative sign-up bonus and generous rewards rate.
In addition to roadside assistance (which is covered up to $50 for each service event, up to four events each year), the card offers a $300 annual travel credit, a Global Entry or TSA Precheck application fee credit, complimentary airport lounge access, trip cancellation and interruption insurance, purchase protection and much more.
Cardholders also earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. Plus, earn 5x points on flights and 10x points on hotels and car rentals through Chase Ultimate Rewards®.
Just know, the Chase Sapphire Reserve® comes with a hefty annual fee of $550. But considering the travel and purchase protections, credits, lounge access and valuable rewards program, the card is well worth its price tag.
The Chase Freedom Unlimited® offers pay-per-use roadside assistance program 24 hours a day, seven days a week. For a set price, cardholders can receive the following services: standard towing (up to five miles included), tire changing (must have good, inflated spare), jump starting, lockout service, fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
To request roadside assistance, cardholders can contact 800-847-2869. The fee for a standard service call will be provided when you call.
If you’re looking for a well-rounded credit card that offers a generous cash back rate in popular spending categories (like travel and dining) and a more affordable annual fee than the Chase Sapphire Reserve®, the Chase Freedom Unlimited® is a great option.
Cardholders enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Plus, earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
The Chase Freedom Unlimited® comes with a $0 annual fee, as well as a 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.
There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable . The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
The Chase Freedom Unlimited® offers pay-per-use roadside assistance program 24 hours a day, seven days a week. For a set price, cardholders can receive the following services: standard towing (up to five miles included), tire changing (must have good, inflated spare), jump starting, lockout service, fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
To request roadside assistance, cardholders can contact 800-847-2869. The fee for a standard service call will be provided when you call.
If you’re looking for a well-rounded credit card that offers a generous cash back rate in popular spending categories (like travel and dining) and a more affordable annual fee than the Chase Sapphire Reserve®, the Chase Freedom Unlimited® is a great option.
Cardholders enjoy 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases Plus, earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That’s 6.5% on travel purchased through Chase Ultimate Rewards®, 4.5% on dining and drugstores, and 3% on all other purchases.
The Chase Freedom Unlimited® comes with a $0 annual fee, as well as a 0% Intro APR on Purchases for 15 months. After that, a regular APR of 14.99% - 23.74% variable applies.
There is also a 0% Intro APR on Balance Transfers for 15 months. After the intro period ends, the regular APR will be 14.99% - 23.74% variable . The balance transfer fee is either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days. Then, either $5 or 5% of the amount of each transfer, whichever is greater.
Like all Visa-branded Bank of America cards, the Bank of America® Premium Rewards® credit card offers Roadside Dispatch®, a pay-per-use roadside assistance program. This includes access to a 24/7 on-demand referral dispatch network that provides standard towing (up to five miles included), tire changing, jump starting, lockout service (no key replacement), fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
To request emergency assistance, cardholders can call 800-847-2869.
The Bank of America® Premium Rewards® credit card offers 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening. Plus, cardholders receive 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases — as well as up to $200 in travel statement credits.
This card comes with a $95 annual fee and a 15.99% - 22.99% variable APR on purchases.
Like all Visa-branded Bank of America cards, the Bank of America® Premium Rewards® credit card offers Roadside Dispatch®, a pay-per-use roadside assistance program. This includes access to a 24/7 on-demand referral dispatch network that provides standard towing (up to five miles included), tire changing, jump starting, lockout service (no key replacement), fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
To request emergency assistance, cardholders can call 800-847-2869.
The Bank of America® Premium Rewards® credit card offers 50,000 online bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening. Plus, cardholders receive 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases — as well as up to $200 in travel statement credits.
This card comes with a $95 annual fee and a 15.99% - 22.99% variable APR on purchases.
Although Capital One doesn’t directly offer roadside assistance, many of its credit card products, like the Capital One Venture Rewards Credit Card, provide the service through the Visa or Mastercard networks.
As a Visa credit card, the Capital One Venture Rewards Credit Card offers the following services through its roadside assistance benefit: standard towing (up to five miles included), tire changing, jump starting, lockout service, fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
Cardholders can request roadside assistance 24 hours per day, seven days a week by calling 800-847-2869. A fee of $69.95 will apply for a standard service call.
If you’re interested in a travel credit card with a flat rewards rate, the Capital One Venture Rewards Credit Card is a solid option.
Along with the ability to earn 2 miles per dollar on every purchase, every day, the Capital One Venture Rewards Credit Card lets cardholders enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. Notably, the card does come with a $95 annual fee.
In addition, every four years, receive a $100 statement credit to cover your Global Entry application or $85 to cover your TSA Precheck application.
Although Capital One doesn’t directly offer roadside assistance, many of its credit card products, like the Capital One Venture Rewards Credit Card, provide the service through the Visa or Mastercard networks.
As a Visa credit card, the Capital One Venture Rewards Credit Card offers the following services through its roadside assistance benefit: standard towing (up to five miles included), tire changing, jump starting, lockout service, fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
Cardholders can request roadside assistance 24 hours per day, seven days a week by calling 800-847-2869. A fee of $69.95 will apply for a standard service call.
If you’re interested in a travel credit card with a flat rewards rate, the Capital One Venture Rewards Credit Card is a solid option.
Along with the ability to earn 2 miles per dollar on every purchase, every day, the Capital One Venture Rewards Credit Card lets cardholders enjoy a one-time bonus of 60,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $600 in travel. Notably, the card does come with a $95 annual fee.
In addition, every four years, receive a $100 statement credit to cover your Global Entry application or $85 to cover your TSA Precheck application.
Citi discontinued roadside assistance in 2019; however, the benefit is still available through the Costco Anywhere Visa® Card by Citi. The benefit covers standard towing and winching, jump starts, flat tire changes (when a spare is available), lock-out service (when the key is in the vehicle) and delivery of up to two gallons of fuel.
To request assistance, call 866-918-4670. Note, you will be responsible for paying a pre-negotiated price per service call.
If you regularly shop at Costco, the Costco Anywhere Visa® Card by Citi provides a good opportunity to earn cash back rewards to help offset the cost of your everyday purchases.
Cardholders get 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.
The Costco Anywhere Visa® Card by Citi comes with a $0 annual fee. But keep in mind that you will be responsible for paying an annual Costco membership fee of $60 (for the Gold Star membership) or $120 (for Executive membership).
Cashback rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S. (including Puerto Rico). In addition, rewards are only distributed once per year (after your February billing statement closes), and must be redeemed by Dec. 31 of the year in which they were issued.
Citi discontinued roadside assistance in 2019; however, the benefit is still available through the Costco Anywhere Visa® Card by Citi. The benefit covers standard towing and winching, jump starts, flat tire changes (when a spare is available), lock-out service (when the key is in the vehicle) and delivery of up to two gallons of fuel.
To request assistance, call 866-918-4670. Note, you will be responsible for paying a pre-negotiated price per service call.
If you regularly shop at Costco, the Costco Anywhere Visa® Card by Citi provides a good opportunity to earn cash back rewards to help offset the cost of your everyday purchases.
Cardholders get 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter, 3% on restaurants & travel, 2% at Costco & Costco.com, 1% on all other purchases.
The Costco Anywhere Visa® Card by Citi comes with a $0 annual fee. But keep in mind that you will be responsible for paying an annual Costco membership fee of $60 (for the Gold Star membership) or $120 (for Executive membership).
Cashback rewards can only be redeemed for merchandise or cash back at Costco warehouses located in the U.S. (including Puerto Rico). In addition, rewards are only distributed once per year (after your February billing statement closes), and must be redeemed by Dec. 31 of the year in which they were issued.
The Wells Fargo Reflect℠ Card provides 24/7 on-demand roadside dispatch services, which includes standard towing (up to five miles included), tire changing (must have good, inflated spare), jump starting, lockout service (no key replacement), fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
To access roadside assistance, call 800-847-2869. Know that a $69.95 minimum service charge will apply to the cardholder’s account.
If you need to finance a big purchase and pay it off over time, or if you have a large amount of high-interest credit card debt that you want to transfer, the Wells Fargo Reflect℠ Card is ideal.
Cardholders receive a 0% intro APR up to 21 months from account opening on purchases. After that, a regular 12.99%-24.99% Variable APR applies. Additionally, the $0 annual fee card offers a 0% intro APR up to 21 months from account opening on qualifying balance transfers; after that, a regular 12.99%-24.99% Variable APR applies.
That said, the Wells Fargo Reflect℠ Card doesn’t come with a rewards program, so you won’t be able to earn points or cash back on the purchases you make using the card. You should also know that the Wells Fargo Reflect℠ Card charges balance transfer fees of 3% for 120 days from account opening, then up to 5%; min: $5.
The Wells Fargo Reflect℠ Card provides 24/7 on-demand roadside dispatch services, which includes standard towing (up to five miles included), tire changing (must have good, inflated spare), jump starting, lockout service (no key replacement), fuel delivery (up to five gallons, plus the cost of fuel) and standard winching.
To access roadside assistance, call 800-847-2869. Know that a $69.95 minimum service charge will apply to the cardholder’s account.
If you need to finance a big purchase and pay it off over time, or if you have a large amount of high-interest credit card debt that you want to transfer, the Wells Fargo Reflect℠ Card is ideal.
Cardholders receive a 0% intro APR up to 21 months from account opening on purchases. After that, a regular 12.99%-24.99% Variable APR applies. Additionally, the $0 annual fee card offers a 0% intro APR up to 21 months from account opening on qualifying balance transfers; after that, a regular 12.99%-24.99% Variable APR applies.
That said, the Wells Fargo Reflect℠ Card doesn’t come with a rewards program, so you won’t be able to earn points or cash back on the purchases you make using the card. You should also know that the Wells Fargo Reflect℠ Card charges balance transfer fees of 3% for 120 days from account opening, then up to 5%; min: $5.
| Credit card | Type of coverage | Annual fee |
|---|---|---|
| Chase Sapphire Reserve® | Coverage of up to $50 per incident, up to 4 times per year | $550 |
| Chase Freedom Unlimited® | Pay-per-use (standard service call fee provided when you call) | $0 |
| Bank of America® Premium Rewards® credit card | Pay-per-use | $95 |
| Capital One Venture Rewards Credit Card | Pay-per-use (standard service call fee of $69.95) | $95 |
| Costco Anywhere Visa® Card by Citi | Pay-per-use (pre-negotiated price per service call) | $0 |
| Wells Fargo Reflect℠ Card | Pay-per-use (standard service call fee of $69.95) | $0 |
The information related to the Costco Anywhere Visa® Card by Citi has been independently collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication.
To select the best credit cards for roadside assistance, our experts compared the leading credit cards that provide a roadside assistance benefit on LendingTree.com and on major issuer sites.
We then chose our best picks among top card issuers based on the coverage included with the roadside assistance benefit and the price for emergency services. We also took into account each card’s rewards program, annual fee and interest rate, as well as any other benefits offered by the card, such as cellphone protection and trip cancellation insurance.
The following issuers offer roadside assistance:
While there may be some variations depending on the issuer, generally, the following vehicles are covered by roadside assistance: Self-propelled, four wheel vehicles designed and used for private on-road transportation; trucks limited to a carrying capacity of up to 2,000 points.
Commercial vehicles are typically not covered.
Roadside assistance and towing may not be available in areas not regularly traveled, or in “off road” areas not accessible by ordinary towing vehicles.
The service is also typically available for use in the U.S. and Canada.
The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.
