Credit Cards With Roadside Assistance

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It’s never fun having car trouble.  Like the time I locked the rental car keys in the trunk in Hawaii.  Oops!

Thankfully, there are credit cards with roadside assistance to help when you have car issues.  This perk can save you money if you’re in an emergency and need a tow or flat tire replacement.

Credit Cards With Roadside Assistance

If You Ever Have Car Trouble, There Might Be a Credit Card in Your Wallet That Offers Complimentary Roadside Assistance!

I’ll compare the benefits of the major credit cards that offer roadside assistance!

Credit Cards With Roadside Assistance – Premium Perks

Link:   The Platinum Card® from American Express

Link:   Ritz-Carlton Rewards® Credit Card

Link:   Chase Sapphire Reserve

Link:   Chase United MileagePlus Club Card

Link:   Citi® / AAdvantage® Executive World Elite™ Mastercard®

Link:   Citi Prestige® Card

A credit card with roadside assistance perks can really come in handy.  Premium roadside services are available 24/7, which is definitely valuable if you’re stuck.

And in some cases you will NOT even have to pay out of pocket for services like a jump start or tow.

Here are details for premium roadside assistance benefits that come with personal credit cards.

 AMEX Cards With Premium Roadside AssitanceChase Sapphire ReserveChase Ritz-CarltonChase United MileagePlus Club Citi Prestige & Citi AAdvantage Executive
Services include:• 24 hour towing and lockout assistance

• Battery boost, flat tire service, and fuel delivery
• 24 hour towing and lockout assistance

• Battery boost, flat tire service, and fuel delivery
• 24 hour towing and lockout assistance

• Battery boost, flat tire service, and fuel delivery
• 24 hour towing and lockout assistance

• Battery boost, flat tire service, and fuel delivery
• 24 hour towing and lockout assistance

• Battery boost, flat tire service, and fuel delivery
Where are you covered?US, Canada, Puerto Rico, and the US Virgin IslandsUS and CanadaUS and CanadaUS and CanadaUS, Canada, Puerto Rico, and the US Virgin Islands
Required distance from primary residence (miles)0050500
Limit per calendar year4444No limit
You'll pay: Nothing for included services

Note: Towing service includes 10 free miles. Then, you'll pay $3 per mile
Charges above $50Charges above $50Charges above $50Nothing for included services

Note: Towing service includes 10 free miles.
Are you covered with a rental car? NoYesYesYesYes
Contact Information & Additional Benefits Guide See AMEX Roadside Assistance for more details

See Chase Sapphire Reserve Guide to Benefits for more details

See Chase Ritz-Carlton Guide to Benefits for more detailsSee Chase United MileagePlus Club Guide to Benefits for more detailsSee Citi Roadside Assistance for more details

These benefits work for the primary cardholder.  But it’s possible to use them on a vehicle that you don’t personally own or lease.  For example, if you’re driving in a friend or family member’s vehicle and need help, you could contact the credit card company for assistance.

The AMEX cards with the premium roadside assistance benefits described above include:

Overall, the AMEX cards with premium roadside assistance, the Chase Sapphire Reserve, and Citi Prestige and Citi AAdvantage Executive cards are best for folks who run into car troubles near home.  Because the other Chase cards will only provide coverage if you’re more than 50 miles from your primary residence.

But AMEX cards will NOT help you if you’re in a rental.

Regular Roadside Assistance

Many other credit cards also provide some type of roadside assistance.

For example, on most American Express personal cards, there is a 24-hour phone number to call to coordinate basic services like a tow or jump start.  But you’ll have to pay for any services that are provided.

And Visa Signature cards have a similar benefit.  You’ll pay a flat fee of ~$70 for basic services like:  

  • Towing (up to 5 miles included)
  • Tire changing
  • Battery jump start
  • Lockout service
  • Fuel delivery (up to 5 gallons and the cost of fuel not included)

Bottom Line

With certain AMEX, Chase, and Citi credit cards, you’ll get premium roadside assistance.  This perk can save you money because you won’t have to pay for a jump start, fuel delivery, or tow service.

But the perk is not equal across all cards.  For example, Chase cards besides the Sapphire Reserve require you to be more than 50 miles from home to get the benefits.

Other credit cards offer a roadside assistance phone number, which can help you coordinate basic services.  But you’ll have to pay out of pocket.

Have you used the roadside assistance benefits?  I’d love to hear you experience!

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5 responses to “Credit Cards With Roadside Assistance

  1. Amex PRG provides it too

  2. Not that good imo to justify the high annual fees on these cards. Google has basically made the roadside “assistance” antiquated and you can find lower tow rates on your own. Insuance companies provide that too.

  3. Does this mean I can get rid of my AAA membership?

  4. My auto insurance includes better roadside assistance benefits than any of the cards you have shown, and has a 24-hour phone number.

  5. So I’m new to all this points and miles stuff. Just to be clear, if I don’t pay for the car rental with one of these cards I don’t get the benefit, right?