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Best Credit Cards With Roadside Assistance for 2022

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

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.

The Chase Sapphire Reserve® is our pick for best overall credit card for roadside assistance, since it offers 24/7 coverage for emergency events — such as towing, tire changing and fuel delivery — of up to $50 per incident, up to four times per year.
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:

Best For Overall credit card for roadside assistance

Chase Sapphire Reserve<sup>®</sup>

Chase Sapphire Reserve®

Apply Now
on Chase's secure site
Intro Purchase APR N/A
Annual Fee $550
Regular Purchase APR 16.99%-23.99% Variable

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.

  • Roadside assistance
  • Annual travel credit
  • Global Entry or TSA Precheck fee credit
  • Complimentary airport lounge access
  • 24/7 access to customer service specialists
  • Trip cancellation / interruption insurance
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation
  • Purchase protection
  • Return protection
  • Extended warranty protection

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.

  • Roadside assistance
  • Annual travel credit
  • Global Entry or TSA Precheck fee credit
  • Complimentary airport lounge access
  • 24/7 access to customer service specialists
  • Trip cancellation / interruption insurance
  • Auto rental collision damage waiver
  • Lost luggage reimbursement
  • Trip delay reimbursement
  • Emergency evacuation and transportation
  • Purchase protection
  • Return protection
  • Extended warranty protection

Best For Chase cash back card for roadside assistance

Chase Freedom Unlimited<sup>®</sup>

Chase Freedom Unlimited®

Apply Now
on Chase's secure site
Intro Purchase APR 0% Intro APR on Purchases for 15 months
Annual Fee $0
Regular Purchase APR 14.99% - 23.74% Variable

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.

  • Roadside assistance
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver
  • Travel and emergency assistance services

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.

  • Roadside assistance
  • Purchase protection
  • Extended warranty protection
  • Trip cancellation and interruption insurance
  • Auto rental collision damage waiver
  • Travel and emergency assistance services

Best For Bank of America credit card for roadside assistance

Bank of America<sup>®</sup> Premium Rewards<sup>®</sup> credit card

Bank of America® Premium Rewards® credit card

Apply Now
on Bank of America's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99% - 22.99% variable

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.

  • Roadside assistance
  • Trip delay reimbursement
  • Trip cancellation and interruption protection
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Purchase security
  • Return protection
  • Auto rental collision damage waiver

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.

  • Roadside assistance
  • Trip delay reimbursement
  • Trip cancellation and interruption protection
  • Baggage delay insurance
  • Lost luggage reimbursement
  • Purchase security
  • Return protection
  • Auto rental collision damage waiver

Best For Capital One credit card for roadside assistance

Capital One Venture Rewards Credit Card

Capital One Venture Rewards Credit Card

Apply Now
on Capital One's secure site
Intro Purchase APR N/A
Annual Fee $95
Regular Purchase APR 15.99% - 23.99% (Variable)

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.

  • Roadside assistance
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Extended warranty
  • 24-hour travel assistance services
  • Foreign transaction fees: None

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.

  • Roadside assistance
  • Travel accident insurance
  • Auto rental collision damage waiver
  • Extended warranty
  • 24-hour travel assistance services
  • Foreign transaction fees: None

Best For Citi credit card for roadside assistance

Costco Anywhere Visa® Card by Citi

Highlights
  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • The standard variable APR for Citi Flex Plan is 15.24%. Citi Flex Plan offers are made available at Citi's discretion.

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.

  • Roadside assistance
  • Damage and theft purchase protection
  • Citi Entertainment
  • Digital wallets
  • Contactless pay technology

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.

  • Roadside assistance
  • Damage and theft purchase protection
  • Citi Entertainment
  • Digital wallets
  • Contactless pay technology
The information related to the Costco Anywhere Visa® Card by Citi has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Best For Wells Fargo credit card for roadside assistance

Wells Fargo Reflect℠ Card

Wells Fargo Reflect℠ Card

Apply Now
on Wells Fargo's secure site
Intro Purchase APR 0% intro APR up to 21 months from account opening
Annual Fee $0
Regular Purchase APR 12.99%-24.99% Variable APR

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.

  • Roadside assistance
  • Cellphone protection
  • My Wells Fargo Deals
  • Free FICO® credit score access
  • Card account activity alerts

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.

  • Roadside assistance
  • Cellphone protection
  • My Wells Fargo Deals
  • Free FICO® credit score access
  • Card account activity alerts

Side-by-side comparison of the best credit cards for roadside assistance

Credit cardAnnual 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 cardPay-per-use$95
Capital One Venture Rewards Credit CardPay-per-use (standard service call fee of $69.95)$95
Costco Anywhere Visa® Card by CitiPay-per-use (pre-negotiated price per service call)$0
Wells Fargo Reflect℠ CardPay-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.

Methodology

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.

Best credit cards for roadside assistance FAQs

The following issuers offer roadside assistance:

  • American Express discontinued the benefit in January 2020.
  • Bank of America provides roadside assistance for all of its Visa-branded cards.
  • Capital One does not directly offer roadside assistance, but the benefit is available for some cardholders through their benefits with Visa and Mastercard.
  • Chase offers roadside dispatch for its Visa and Mastercard credit cards. However, select cards provide additional roadside assistance coverage.
  • Citi stopped providing roadside assistance in September 2019 (although it is still available for select cards through Visa or Mastercard).
  • Wells Fargo offers roadside assistance for all of its consumer credit card products.

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.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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The above offers and/or promotions may have since changed, expired, or is no longer available. Check the Issuers’ website for more details.