Which Credit Cards Offer Roadside Assistance?

Last Updated on October 6, 2023

It’s true: some credit cards offer free or discounted roadside assistance.

All Visa cardholders, for example, can pay a low, fixed rate for roadside assistance. Many premium credit cards, meanwhile, have complimentary roadside assistance.

Keep reading to discover the best credit cards with roadside assistance.

Key Takeaways:

• Some credit cards offer free or discounted roadside assistance as a perk, while others do not.
• All Visa cards have access to a roadside assistance network called Roadside Dispatch, which charges a fixed rate of $79.95 per service call.
• Select Mastercard and Chase cards have complimentary roadside assistance, covering up to a certain limit per service call or per year.
• American Express and Discover do not offer roadside assistance on any of their credit cards.

All Visa Cards Have Roadside Assistance

All Visa credit cards come with access to a roadside assistance network called Roadside Dispatch.

If you have an active Visa credit card in your wallet and need roadside assistance, then you can access roadside assistance at a discount rate of $79.95 per service call.

To contact Visa’s Roadside Dispatch, call 1-800-847-2869.

Your Visa roadside assistance service includes:

• Standard towing for up to 5 miles
• Tire changes (assuming you have a valid, inflated spare tire available)
• Battery jumpstart
• Lockout service
• Fuel delivery (up to 5 gallons, plus the cost of fuel)
• Standard winching

You do not need to enroll in Visa’s roadside assistance program before the emergency occurs, nor do you need to pay any membership fees. As long as you have any type of active Visa credit card, you can access fixed-rate roadside assistance for $79.95 per service call.

Select Mastercard Credit Cards Have Roadside Assistance

If you have a Mastercard credit card, you may or may not have roadside assistance, depending on your credit card.

Mastercard calls its roadside assistance program Master Roadside Assist. You contact the company, and they contact a nearby towing or repair service on your behalf. Like Visa, Mastercard covers standard roadside assistance service calls up to a certain limit.

Check your Mastercard credit card’s terms and conditions to determine if you have roadside assistance. Some banks offer Mastercard credit cards with roadside assistance, while others do not. Some credit cards have free roadside assistance, while others provide a discounted, fixed-rate price.

If you have access to Master Roadside Assist, contact 1-800-627-8372 to request roadside assistance at your location.

All Chase Visa and Mastercard Credit Cards Have Roadside Assistance

You have roadside assistance if you have a Visa or Mastercard credit card through Chase. Some cards (like those with higher annual fees) have complimentary roadside assistance, while others have discounted fixed-rate roadside assistance.

Here’s how roadside assistance works based on your Visa or Mastercard credit card:

Chase Sapphire Reserve: Chase Sapphire Reserve cardholders receive a maximum of 4 roadside assistance calls per year, up to a maximum of $50 per occurrence. You’re covered against flat tires, dead battery jumpstarts, running out of fuel, and vehicle lockouts.

Chase Sapphire Preferred & Chase Freedom Unlimited: Users of these two cards receive discounted pay-per-use roadside assistance (similar to what’s available to other Visa cardholders). You pay a discounted rate per service call for towing up to five miles, flat tire changes, vehicle jumpstarts, winching, and vehicle lockouts.

Chase Freedom Flex: Chase Freedom Flex cardholders receive access to Master Roadside Assist, Mastercard’s pay-per-use roadside assistance program. You pay a discounted, flat rate for service calls for vehicle jumpstarts, towing, fuel delivery, and tire changes, among other roadside incidents.

All Bank of America Visa Cards Have Roadside Assistance

If you have a Bank of America Visa credit card, you have roadside assistance through Visa’s discounted pay-per-use roadside assistance program. If you have a Bank of America card, you’ll also have rental car coverage as a perk.

All Capital One Visa Cards Have Roadside Assistance

If you have a Capital One Visa credit card, you can access Visa’s discounted pay-per-use roadside assistance program. All Capital One Visa credit cards include discounted pay-per-use roadside assistance.

If you have a Capital One Mastercard credit card, you may or may not have access to Mastercard’s Master Roadside Assist. Many cards do, but some do not. Check your credit card terms and conditions to verify.

Certain Citibank Cards Have Roadside Assistance

Citibank used to offer roadside assistance on all cards. However, the company has discontinued its roadside assistance perk program.

Nevertheless, Citibank Visa cardholders may still have access to Visa’s roadside assistance program, where you pay discounted pay-per-use rates for roadside assistance.

All US Bank Visa Credit Cards Have Roadside Assistance

If you have a US Bank Visa credit card, you can access Visa’s roadside assistance program. You can access roadside assistance at a discounted, pay-per-use rate.

All Wells Fargo Visa Credit Cards Have Roadside Assistance

If you have a Wells Fargo Visa credit card, you can access Visa’s roadside assistance program, which allows you to order roadside assistance at your location at a discounted, pay-per-use rate.

No American Express Credit Cards Have Roadside Assistance

American Express does not offer roadside assistance on any of its credit cards except the Wells Fargo Propel American Express card. The services include 24-hour emergency towing, flat tire replacement, fuel delivery, lockout service, and jump-starting a dead or weakened battery, all for a flat fee of $59.95 per service call, with certain benefits reimbursing up to $50 per incident and covering up to 4 events per year.

No Discover Credit Cards Have Roadside Assistance

Discover does not offer roadside assistance on any of its credit cards.

Other Credit Cards May Offer Roadside Assistance

There are plenty of credit cards available today. Depending on your card, you may have complimentary roadside assistance, discounted pay-per-use, or no roadside assistance.

Other credit cards that may or may not have roadside assistance include:

Amazon Prime Rewards (Includes Roadside Assistance): You need an Amazon Prime membership to qualify for this credit card, but you can earn 5% back at Amazon and Whole Foods, making it a great option for shoppers of the two large retailers.

United Explorer Card (Includes Roadside Assistance): Priced at $0 for the first year, then $95, United’s Explorer Card lets you earn 60,000 bonus miles after you spend $3,000 within the first three months. The card includes premium roadside assistance similar to the Chase Sapphire Reserve card, covering up to $50 per service call and four events per calendar year. Your coverage includes towing, tire changes, jumpstarts, lockout service, and fuel delivery.

United Business Card (Includes Roadside Assistance): The United Business Card has the same full-service roadside assistance as the United Explorer Card.

Costco Anywhere Visa Card by Citi (Includes Roadside Assistance): Priced at $0 with a Costco membership, Costco’s Anywhere Visa Card includes roadside assistance at a discounted, pay-per-use rate. This roadside assistance covers towing, battery jumpstarts, fuel delivery, and other roadside situations.

Final Word

You may already have complimentary roadside assistance from your credit card. Some of today’s most popular credit cards come with complimentary roadside assistance or discounted, pay-per-use roadside assistance.

All Visa credit cards and many other credit cards have some type of roadside assistance coverage. Generally, premium credit cards with high annual fees have strong roadside assistance coverage at no added cost.

Check your cardholder agreement or contact your credit card company today to check if you have roadside assistance.