The Guide to Credit Cards with Roadside Assistance

Many credit card issuers offer this service, which can provide help if you have a dead battery or flat tire.
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Written by Elina Geller
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Roadside Assistance Benefits From Your Credit Card

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Dealing with an emergency, like a flat tire or a dead battery, when you’re on the road can be distressing and expensive to resolve. Even if you don’t have a AAA membership, you may have access to a roadside assistance program if you have a credit card that offers this perk.

Here’s 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.

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®

Chase Sapphire Reserve Credit Card
NerdWallet rating 

Here are the card's roadside assistance benefits:

  • Jump-starting the car with a battery boost when the car won’t 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 Chase’s 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 Chase’s 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 aren’t as exhaustive as those provided on the Chase Sapphire Reserve®, they can still come in handy if you’re 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 when you redeem through Chase Travel℠.

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 $200 Amazon Gift Card instantly upon approval exclusively for Prime members.

🤓Nerdy Tip

Credit card offers change periodically, so if you’ve 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 card’s 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 NerdWallet’s 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 don’t 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 you’re on vacation.

AAA offers several roadside assistance programs with varying levels of coverage for different kinds of cars. AAA’s 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.

Other benefits for your road trip

If you’re 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 you’re 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 you’re stuck on the side of the road. Many credit card issuers offer this perk so you don’t 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 what’s important to you. Here are some of the best travel credit cards of 2024:

Cards for Travel Insurance from our Partners
Chase Sapphire Reserve Credit Card

on Chase's website

Chase Sapphire Reserve®
5.0
NerdWallet Rating
Rewards rate

1x-10x

Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases.

Points

Intro offer

60,000

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℠.

Points
Chase Sapphire Preferred Credit Card

on Chase's website

Chase Sapphire Preferred® Card
5.0
NerdWallet Rating
Rewards rate

1x-5x

5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases.

Points

Intro offer

60,000

Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.

Points
Chase Southwest Rapid Rewards® Plus Credit Card

on Chase's website

Southwest Rapid Rewards® Plus Credit Card
4.2
NerdWallet Rating
Rewards rate

1x-2x

Earn 2X points on Southwest® purchases. Earn 2X points on local transit and commuting, including rideshare. Earn 2X points on internet, cable, and phone services, and select streaming. Earn 1X points on all other purchases.

Points

Intro offer

50,000

Earn 50,000 bonus points after spending $1,000 on purchases in the first 3 months from account opening.

Points
See more cards
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