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Best credit cards with roadside assistance in 2020

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Best credit cards with roadside assistance in 2020

Jason StaufferBest credit cards with roadside assistance in 2020Million Mile Secrets Team

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It’s never fun having car trouble, especially when you’re out of town and don’t have anyone you can trust to help nearby. Thankfully, there are travel 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.

Unfortunately, this benefit is becoming less common as banks cut perks that aren’t used as often. Amex is getting of its roadside assistance benefits in 2020 and that leaves a few Chase credit cards as the last ones with useful roadside assistance.

Best credit cards with roadside assistance in 2020

CardBonusReviewAnnual fee
Chase Sapphire Reserve®50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of opening your account.Read our Sapphire Reserve review to learn about all of this card's other valuable travel insurance benefits.$550
United℠ Explorer CardFor a limited time, earn 60,000 bonus miles after you spend $3,000 in purchases in the first three months. The United Explorer is the perfect companion for the United Airlines traveler.$95, waived the first year.
Few cards offer complimentary roadside assistance, but it’s nice when they do. (Photo by Ivanko80/Shutterstock.)

Best credit cards for roadside assistance

Chase Sapphire Reserve®

Best premium card

Bonus

The Sapphire Reserve has an intro bonus of 50,000 Chase Ultimate Rewards points after spending $4,000 on purchases in the first three months of opening your account.

Roadside assistance benefits

The Sapphire Reserve’s roadside assistance benefit is the best you can get with a rewards credit card. That’s not surprising given how the Sapphire Reserve is loaded with benefits.

The roadside assistance applies vehicles the cardholder owns or is leasing. It can also apply to cars an owner is letting you borrow. You’ll be covered for up to $50 per incident four times per year. This only applies if you’re not at home, but still in the U.S. or Canada. And services that are covered include a dead battery, flat tire, running out of gas, towing and lockout assistance.

To get help you’ll need to call 866-860-7978 and give them your contact info, location of the car and the car’s VIN or make, model and year.

Annual fee

$550

Our take

The Sapphire Reserve is stocked with top-notch travel coverages, like trip delay and lost/delayed baggage insurance. And this perk is minor in comparison, but if having it gets you to skip renewing your AAA membership that could save you $59 or more right there. It’s also something that separates the Reserve from other premium cards, like the Citi Prestige® Card, which currently doesn’t offer any travel insurance perks.

Information for the Citi Prestige card was collected independently by Million Mile Secrets and has not been reviewed by the card issuer.

United℠ Explorer Card

Best for low annual fee

Bonus

TheUnited℠ Explorer Card has a limited time offer of 60,000 bonus miles after you spend $3,000 in purchases in the first three months.

Roadside assistance benefits

The Chase United Explorer cards benefits include almost the exact same roadside assistance coverage as the Sapphire Reserve. You’re covered for up to $50 per incident up to four times per year for flat tires, towing, lockout assistance, dead battery and fuel delivery. The coverage applies as long as you’re at least 50 miles from home and in the U.S. or Canada.

Annual fee

$95, waived the first year.

Our take

The United Explorer has its annual fee waived the first year and after that it’s only $95 a year to keep the card. So this is the cheapest option for getting excellent roadside assistance coverage with your card. And as an airline credit card it has other useful perks for United travelers as well. You’ll get access to an increased number of award seats, your first checked bag free and priority boarding.

Visa card’s have roadside assistance

Many other credit cards also provide some type of roadside assistance, but you’ll have to pay for it, so it isn’t worth it very often. For example, many Visa cards have a similar roadside benefit, but you’ll often pay a flat fee (the fee varies but is usually around $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)

To use this service call 800-847-2869.

Summary of the best credit cards with roadside assistance in 2020

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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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?

I don’t think you have to pay for your rental with one of these cards to receive the roadside assistance. You just have to pay for the assistance with one of these cards.

Not 100% sure though. Anyone else?

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

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

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.

Amex PRG provides it too