Best credit cards that offer roadside assistance in 2022

Mar 2, 2022

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Need a jump or help with a flat tire? When things go wrong — especially on the road — it can be easy to panic and forget about all the options you have. However, one or more of your credit cards may provide a roadside assistance benefit that can help.

The level of assistance and terms vary widely, though. Some cards cover up to a certain amount per event. But, many only arrange help at a negotiated rate, and leave you to pay the rest of the bill.

In this guide, I’ll discuss the best credit cards for roadside assistance and describe what type of help you can expect with each.

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In This Post

The best credit cards with roadside assistance in 2022

Comparing the best cards for roadside assistance

Card Sign-up bonus Rewards rate Roadside assistance type Annual fee
Chase Sapphire Reserve 50,000 bonus points after you spend $4,000 on purchases in the first three months of account opening. 10 points per dollar spent on hotels and car rentals purchased through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually).

10 points per dollar spent on Chase Dining purchases through Chase Ultimate Rewards.

5 points per dollar spent on flights purchased through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually).

3 points per dollar spent on travel (after the first $300 is spent on travel purchases annually) and dining.

1 point per dollar spent on everything else

Covered up to $50 for each service event, up to 4 events each year. $550.
Chase Freedom Unlimited An additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year). 5% cash back on travel purchased through Chase Ultimate Rewards.

3% cash back on drugstore purchases and dining at restaurants.

1.5% cash back on other purchases.

Provides select services at a flat fee per service call. $0.
Capital One Venture Rewards Credit Card 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening. 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel.

2 miles per dollar spent on every other purchase.

Provides select services at a set price per service call. $95.
Bank of America® Premium Rewards® credit card 50,000 points after you make at least $3,000 in purchases in the first 90 days of account opening. 2 points per dollar spent on travel and dining purchases.

1.5 points per dollar spent on all other purchases.

Provides select services at a set price per service call. $95.

Now, let’s take a closer look at each of the best credit cards for roadside assistance.

Chase Sapphire Reserve

Chase Sapphire Reserve credit card held in front of a crowded street
(Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: Earn 50,000 bonus Chase Ultimate Rewards points after you spend $4,000 on purchases in the first three months from account opening. Based on TPG’s valuations, these bonus points are worth $1,000.

Rewards rate:

  • 10 points per dollar spent on hotels and car rentals purchased through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually).
  • 10 points per dollar spent on Chase Dining purchases through Chase Ultimate Rewards when you make prepaid restaurant reservations, order takeout or join virtual cooking events.
  • 5 points per dollar spent on flights purchased through Chase Ultimate Rewards (after the first $300 is spent on travel purchases annually).
  • 3 points per dollar spent on other travel (after the first $300 is spent on travel purchases annually) and dining.
  • 1 point per dollar spent on everything else.

Roadside benefit: Roadside assistance benefit covers up to $50 per service event (including tow, jump-start, tire change, locksmith and gas), up to four events each year.

Annual fee: $550.

The Chase Sapphire Reserve is still my pick for the best travel rewards card. After all, the travel and shopping protections offered by the card are solid. And earning at least 3 points per dollar spent on all travel and dining is compelling.

You likely won’t sign up for the Sapphire Reserve solely due to its roadside assistance benefit. But, it’s one more reason to consider getting the card if you travel frequently. Check out the full Chase Sapphire Reserve credit card review for more information.


Apply here: Chase Sapphire Reserve


Chase Freedom Unlimited

Chase Freedom Unlimited
(Photo by Wyatt Smith/The Points Guy)

Sign-up bonus: 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.

Rewards rate:

  • 5% cash back on travel purchased through Chase Ultimate Rewards.
  • 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service.
  • 1.5% cash back on everything else.

Roadside benefit: Roadside dispatch provides access to select roadside services (including towing, jump-start, tire change, lockout service, winching and gas delivery) at a flat fee per service call.

Annual fee: None.

The Chase Freedom Unlimited is an excellent starter card and one of the top cards for everyday spending. And it can become one of the most rewarding cards in your wallet if you have a Chase Ultimate Rewards card — such as the Chase Sapphire Reserve or Chase Sapphire Preferred Card — or plan to get one of these cards in the future.

After all, you can turn your cash back into Ultimate Rewards points if you also have a card that earns Ultimate Rewards points. Based on TPG’s valuation of Ultimate Rewards points at 2 cents each, you can get about double the return when you redeem Ultimate Rewards points for travel instead of cash back. Check out the full Chase Freedom Unlimited credit card review for more information.


Apply here: Chase Freedom Unlimited


Capital One Venture Rewards Credit Card

A photo of Nick Ewen's new Capital One Venture card
(Photo by Nick Ewen/The Points Guy)

Sign-up bonus: Earn 75,000 bonus Capital One miles once you spend $4,000 on purchases within the first three months from account opening. Based on TPG’s valuations, this bonus is worth $1,388.

Rewards rate:

  • 5 miles per dollar spent on hotels and rental cars booked through Capital One Travel.
  • 2 miles per dollar spent on every other purchase.

Roadside benefit: Roadside dispatch provides access to select roadside services at a set price per service call. Benefit only available to accounts approved for the Visa Signature card. Terms apply.

Annual fee: $95.

The Capital One Venture Rewards Credit Card is a popular credit card that earns miles that can be redeemed at a fixed rate or transferred to travel partners. All purchases earn at least 2 miles per dollar spent, so you don’t have to worry about determining whether a purchase will earn bonus rewards. For more information, see the Capital One Venture Rewards credit card review.


Apply here: Capital One Venture Rewards Credit Card


Bank of America® Premium Rewards® credit card

Bank of America Premium Rewards credit card
(Photo by The Points Guy)

Sign-up bonus: Earn 50,000 bonus points after you make at least $3,000 in purchases in the first 90 days of account opening.

Rewards rate:

  • 2 points per dollar spent on travel and dining.
  • 1.5 points per dollar spent on all other purchases.

Roadside benefit: Roadside dispatch provides access to select roadside services at a set price per service call.

Annual fee: $95.

The Bank of America® Premium Rewards® credit card is one of the highest-earning cash back credit cards if you belong to the highest tier of the Bank of America Preferred Rewards program. At this tier, you’ll get a 75% rewards bonus on the points earned by the Premium Rewards card. So, you’d earn 3.5 points per dollar spent on travel and dining and 2.625 points per dollar spent on everything else.

Check out the Bank of America Premium Rewards credit card review for more information.


Apply here: Bank of America® Premium Rewards® credit card


Roadside assistance with the Chase Sapphire Reserve

Exploring Lanai's Garden of the Gods
if you lock yourself out of your vehicle at a viewpoint, some cards may cover lockout services. (Photo by Darren Murph/The Points Guy)

The Chase Sapphire Reserve provides roadside assistance when you’re stranded away from home in the U.S. or Canada with a roadside emergency. Call the number on the back of your card and they’ll arrange assistance. You’ll be covered up to $50 per service event (up to four events each year) when using this assistance.

The coverage is available when traveling away from home and driving a vehicle you own, being leased or being furnished to you by the owner. Although the guide to benefits notes that you must be “away from home,” the most recent Chase Sapphire Reserve guide to benefits doesn’t define a required distance away from home.

Coverage includes jump start, tire changing (if you have a good, inflated spare), fuel delivery (up to two gallons), towing (up to $50), standard winching and locksmith services (up to $50). Self-propelled, four-wheel vehicles designed, licensed and used for private on-road transportation — as well as trucks with a carrying capacity of up to 2,000 pounds — are covered.

However, commercial vehicles aren’t covered.

Related: Chase Sapphire showdown: Sapphire Preferred vs. Sapphire Reserve

Roadside dispatch provided by all Visa credit cards

All Visa cardholders have access to roadside dispatch by calling 1-800-847-2869. This assistance gets you the following services for a set rate per service call (currently $69.95):

  • Standard towing (up to five miles included for vehicles that weigh 10,000 lbs. or less).
  • Tire changing (if you have a good, inflated spare).
  • Jump starting.
  • Lockout service (no key replacement).
  • Fuel delivery (up to five gallons, though you must pay the cost of fuel).
  • Standard winching (within 100 feet of a paved or county-maintained road).

Even Visa credit cards with no annual fee include this type of protection.

Related: How to choose the best Visa card for you

Roadside benefits provided by other credit cards

Black luxury car in the country
Check to see if one of your cards offers roadside assistance before you need it. (Photo by Darren Murph/The Points Guy)

Although roadside assistance is no longer a benefit on most Citi and American Express cards, some other cards still offer roadside assistance as a benefit. However, many only help with arranging services that you need to pay for yourself. This benefit can still be valuable since it saves you from searching for a provider on your own. But, you might end up with a hefty bill.

To determine whether your card provides roadside benefits, check your guide to benefits or call the number on the back of your card.

Related: The best credit cards with travel insurance

How does credit card roadside assistance compare to AAA?

I keep a AAA membership for the discounts and benefits, especially at hotels and amusement parks. So, I typically call AAA if I need roadside assistance. But if you only maintain your AAA membership for roadside assistance, it may not be as necessary as you’d previously assumed. This is especially true if you have the Chase Sapphire Reserve, which offers complimentary roadside assistance up to $50 four times each year.

Some other credit cards — including all Visa cards — provide paid access to roadside assistance. This access may be adequate if you don’t utilize the benefit too frequently. Just remember that the roadside assistance benefit supplied by some credit cards technically requires you to be traveling away from home. So, the benefit might not apply if your car battery goes dead in your driveway.

Related: 7 mistakes every road tripper makes at least once

Bottom line

Roadside assistance, like travel insurance, is a benefit that’s easy to forget about because it’s one you hope never to need. You likely won’t apply for new cards solely based on roadside benefits. But, it’s worth figuring out if any of your current cards offer roadside assistance benefits.

After all, it’s always good to know who to call for the cheapest and fastest fix if you need roadside assistance.

Featured photo by Maskot/Getty Images.

Chase Sapphire Preferred® Card

WELCOME OFFER: 80,000 Points

TPG'S BONUS VALUATION*: $1,600

CARD HIGHLIGHTS: 3X points on dining and 2x points on travel, points transferrable to over a dozen travel partners

*Bonus value is an estimated value calculated by TPG and not the card issuer. View our latest valuations here.

Apply Now
More Things to Know
  • Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®.
  • Enjoy benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining and 2x on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Regular APR
16.24% - 23.24% Variable
Annual Fee
$95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent/Good

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.