Credit Cards with Roadside Assistance: What to Know - NerdWallet (2024)

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Dealing with an emergency, like a flat tire or a dead battery, when youre on the road can be distressing and expensive to resolve. Even if you dont have a AAA membership, you may have access to a roadside assistance program if you have a credit card that offers this perk.

Heres what you need to know about credit cards with roadside assistance.

What is roadside assistance

Roadside assistance (also known as roadside dispatch) is a service that helps individuals with a roadside emergency such as a dead battery, flat tire, running out of gas, mechanical failure and more. This service is available through motor clubs, like AAA, certain credit cards (i.e. Chase Sapphire Reserve) or travel insurance policies, such as from Allianz, and can be used for your own vehicle or on a car rental.

Generally, roadside assistance services available through membership clubs like AAA, are comprehensive than those provided for free on your credit card.

Learn more: Roadside assistance: Where to get it, what to ask

The best credit card with roadside assistance

Credit cards offer differing forms of roadside assistance, ranging from a complimentary benefit to a pay-per-use service. Some travel credit cards with high annual fees include roadside assistance as a complimentary benefit that can be used several times a year. Low-fee or no-fee credit cards may offer roadside dispatch as a service that you pay for each time you need to use it.

Chase Sapphire Reserve

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Here are the card's roadside assistance benefits:

  • Jump-starting the car with a battery boost when the car wont start.

  • Tire changing in case you get a flat tire (must have an inflated spare).

  • Fuel delivery up to two gallons.

  • 24-hour towing assistance from Chases network of over 25,000 service providers across the U.S. and Canada.

  • 24-hour lockout assistance, so if you get locked out of a car, a qualified locksmith will be dispatched to unlock the vehicle. The key replacement cost is not included.

Each incident is covered up to $50 and the benefit can be used four times per year while traveling in the U.S. and Canada. The perk applies to cardholders driving a car or truck (subject to weight limit) but commercial vehicles are excluded. Assistance is available 24/7/365 by calling the Cross Country Motor Club hotline at 866-860-797.

The Chase Sapphire Reserve, which has an annual fee of $550 has the following welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel. In addition to free roadside assistance, these premium Visa cards have a number of other benefits, making them excellent companions for those who use their services.

How Chase cards work with roadside dispatch

Cardholders of Chases low-fee and no-fee Visa credit cards receive these services for an additional fee while traveling in the U.S. and Canada:

  • Towing up to five miles.

  • Flat tire changes as long as the cardholder has a good, inflated spare tire.

  • Jump-start to boost the car battery.

  • Lockout service but a key replacement isn't included.

  • Fuel delivery of up to five gallons (cost of fuel not included).

  • Winching within 100 feet of paved or county-maintained roads.

Although these benefits arent as exhaustive as those provided on the Chase Sapphire Reserve, they can still come in handy if youre stranded on the side of the road. You will receive coverage on any vehicle as long as its 10,000 pounds or less. Assistance is available 24/7/365 and can be reached by calling 800-847-2869.

Cards providing roadside dispatch:

Chase Sapphire Preferred Card (annual fee: $95): Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards.

Chase Slate (annual fee: $0): Save with a $0 introductory balance transfer fee and get 0 introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, free credit score, updated weekly with Credit Journey.

Chase Freedom Unlimited (annual fee: $0): Earn an additional 1.5 cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back!

Chase Freedom (annual fee: $0): Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Chase Freedom Student (annual fee: $0): Earn 5,000 points after making your first purchase within the first three months. That's redeemable for $50 cash back.

Starbucks Rewards Visa Card (annual fee: $0 intro for the first year, then $49): N/A

Prime Visa (annual fee: $0): Get a $100 Amazon Gift Card instantly upon approval exclusively for Prime members.

Nerdy Tip

Credit card offers change periodically, so if youve got your eye on a certain credit card, keep track of its welcome offer in case a stronger bonus becomes available.

Non-Chase credit cards with roadside assistance

Bank of America, Capital One and Wells Fargo are some of the other credit card issuers that offer roadside assistance benefits for a fee. In addition, all Visa Signature cards include roadside dispatch service. Refer to each cards benefits guide or call customer service for a full list of the exact benefits offered.

Capital One offers roadside assistance on all of its Visa and Mastercard products. Our favorite Capital One travel card is the Capital One Venture Rewards Credit Card. For a full list, refer to NerdWallets guide to all personal and business Capital One cards.

Bank of America Premium Rewards credit card (annual fee: $95): Receive 60,000 online bonus points - a $600 value - after you make at least $4,000 in purchases in the first 90 days of account opening.

Wells Fargo Autograph Card (annual fee: $0): Earn 20,000 bonus points when you spend $1,000 in purchases in the first 3 months - that's a $200 cash redemption value.

Note: AmEx and Citi formerly offered roadside assistance on certain credit cards, however the benefits are no longer available.

Credit card roadside assistance vs. AAA and travel insurance

If you dont have a credit card that provides roadside assistance/dispatch or your vehicle type is excluded from coverage, you can still receive this service by purchasing a membership with an automobile club, like AAA or a travel insurance policy for when youre on vacation.

AAA offers several roadside assistance programs with varying levels of coverage for different kinds of cars. AAAs higher membership levels include increased limits and more coverage options. AAA memberships offer a wide range of perks including discounts on hotels, restaurants and attractions and can be a great option for those who don't have roadside coverage through their card.

Travel insurance plans can also include roadside assistance benefits, sometimes as part of the policy and at other times as an optional upgrade.

Learn more: How to find the best travel insurance

Other benefits for your road trip

If youre undecided about getting a membership with AAA or a credit card that offers roadside assistance, it's important to consider the other benefits you may want.

The cards above offer a slew of other perks that can be useful on your road trip. For example, the Chase Sapphire Reserve offers 3x on points at restaurants and a DashPass subscription, which you can use to save money when ordering food online while youre traveling within the U.S. Cardholders also have access to the Visa Infinite Concierge Service, which assists with ticket requests to music and sporting events and dinner reservations.

Another example, the Wells Fargo Autograph Card offers 3x points per dollar at gas stations and restaurants (order in or take out).

If you're considering a credit card with emergency roadside assistance ...

Roadside assistance is an important credit card benefit that can help you if youre stuck on the side of the road. Many credit card issuers offer this perk so you dont necessarily need a AAA membership to have access to these benefits.

The information related to the Chase Slate, Chase Freedom and Chase Freedom Student has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.

How to maximize your rewards

You want a travel credit card that prioritizes whats important to you. Here are our picks for the best travel credit cards of 2024, including those best for:

  • Flexibility, point transfers and a large bonus: Chase Sapphire Preferred Card

  • No annual fee: Bank of America Travel Rewards credit card

  • Flat-rate travel rewards: Capital One Venture Rewards Credit Card

  • Bonus travel rewards and high-end perks: Chase Sapphire Reserve

  • Luxury perks: The Platinum Card from American Express

  • Business travelers: Ink Business Preferred Credit Card

Credit Cards with Roadside Assistance: What to Know - NerdWallet (2024)

FAQs

Credit Cards with Roadside Assistance: What to Know - NerdWallet

Bank of America, Capital One and Wells Fargo are some of the other credit card issuers that offer roadside assistance benefits for a fee. In addition, all Visa Signature cards include roadside dispatch service. Refer to each card's benefits guide or call customer service for a full list of the exact benefits offered.

Who has the best roadside assistance program

Compare Roadside Assistance
Top Roadside Assistance CompanyOverall RatingRoadside Assistance Award
1. Better World Club9.6Best Roadside Assistance Company
2. Good Sam9.5Best Roadside Assistance For RV
3. Allstate9.4Best Roadside Assistance Deals
4. Travelers9.3Cheap Car Insurance With Roadside Assistance
7 more rows
Mar 9, 2024

Does MasterCard offer roadside assistance

If your car breaks down on the road, just call 1-800-MasterCard and tell us where you are. We'll send someone to the rescue. This is not only reassuring, but it may also save you money because fees for many services (jump-starts, towing, gas delivery, and tire changes) are pre-negotiated.

What credit cards does AAA offer

Whether you're using the AAA Daily Advantage Visa Signature or the AAA Travel Advantage Visa Signature credit cards, you can take advantage of cash back1 on a wide range of purchases and experiences.

Does Capital One Quicksilver offer roadside assistance

Capital One offers roadside assistance on the following credit cards: Capital One SavorOne Cash Rewards Credit Card. Capital One Savor Cash Rewards Credit Card. Capital One Quicksilver Cash Rewards Credit Card.

Which is better for roadside assistance, AAA or AARP

AAA is better for auto insurance and roadside assistance than AARP since AAA offers lower prices, more robust services and a variety of discounts. AARP is better for those looking for information on and assistance with important issues affecting seniors like Medicare and Social Security.

Which roadside recovery is best

Best breakdown service overall winner: Green Flag
PROVIDERRATING
Start Rescue69.2
RAC68.8
Emergency Assist68.1
LV=Britannia Rescue65.5
2 more rows
Dec 27, 2023

Do all Visa cards offer roadside assistance

Visa. Roadside Dispatch is offered on all Visa cards and can be reached at 1-800-847-2869. For a flat fee of $79.95 per service call, you'll get the following services: Standard towing: Up to 5 miles included.

Which Amex cards offer roadside assistance

Do Amex cards have roadside assistance American Express dropped roadside assistance from its cards, and it's no longer available. The premium The Platinum Card from American Express and American Express Gold Card do not include roadside assistance benefits, among other Amex cards.

Does Costco credit card offer roadside assistance

If You have car trouble while You are on the road in any of the 50 United States, District of Columbia, Puerto Rico and the U.S. Virgin Islands, We will send help directly to Your location a service You pay for only when You use it.

What credit score do you need for AAA

If you want to apply for the AAA Member Rewards Visa Signature Card, we suggest having a FICO Score of 670 or higher. This credit card is intended for consumers with good credit. Other factors are also assessed when determining approval, such as income and current debt.

What Bank owns AAA credit card

AAA Travel Advantage Visa Credit Card Accounts are issued by Comenity Capital Bank pursuant to a license from Visa U.S.A. Inc.

Does Amex offer AAA discounts

No, Amex does not offer AAA discounts. Amex cards generally offer rewards with high earning rates on popular spending categories, along with high welcome bonuses for new cardholders. So even though they don't offer AAA discounts, American Express cards can still be a good choice if you have good credit or better.

Does Credit One offer roadside assistance

The Credit One Platinum card has never offered a roadside assistance benefit, though you may be eligible for roadside assistance through alternate sources, like your auto insurance company, an auto club such as AAA, or your vehicle's manufacturer.

Can AAA call roadside assistance

How much is Chase Sapphire Preferred roadside assistance

Roadside Dispatch with the Chase Sapphire Preferred Card is a convenient, pay-per-use service: Initiating Service: Contact 800-847-2869, and relay your name, exact location, and nature of the problem. Dispatching Help: A service provider is sent to your location, informing you about the service fee (presently $59.95).

What's better than triple A

Better World Club

Better World Club is the best roadside assistance company because of its above-average coverage options, relatively low price, and A rating from the Better Business Bureau. Better World Club's plans are on the cheaper side for auto clubs, and its website says the company will match AAA's prices.

Which is better, AAA or OnStar

AAA is the overall best option for wide-reaching support and reliability. Good Sam is a great option for RVs and can be a strong choice for traditional auto coverage, too. If you're focused on an easy concierge experience or need a convenient option for seniors, you might choose OnStar or Allstate through AARP.

Is AARP roadside assistance the same as Allstate roadside assistance

AARP membership does not include roadside assistance by default. You can enroll in Allstate Roadside as a Member Benefit, or you may have emergency roadside assistance through your insurance provider.

What is the fastest response time for roadside assistance

The fastest arrival time among all providers of emergency roadside assistance is the American Automobile Association (AAA) at 35 minutes. Its performance this year is equal to that of last year. Cadillac has the shortest time among manufacturer programs.

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