The 9 Best Cards for Premium Roadside Assistance [2024]

Whether you’re a working road warrior or a parent who needs to ensure that everyone in the family gets where they need to be, you depend on your vehicle to reach your destination.

The same is true when you’re on a vacation road trip or rushing to make that special business meeting. Getting to your destination is always important, and it’s always frustrating if you become stranded due to a breakdown.

roadside assistance, an often-forgotten credit card benefit, is a handy perk that can help in times of need. This benefit comes complimentary on a lot of travel rewards credit cards.

Not all roadside assistance benefits are created equal, however — some are simply referral services that can help you reach a service provider.

Other roadside assistance benefits (referred to as premium roadside assistance) can actually provide the services for free or provide a specified dollar amount of coverage to the cardholder to offset the cost of a roadside service call.

Today we’re focusing on premium roadside assistance and the travel rewards cards that offer this benefit. It’s possible you may have coverage on one of the cards in your wallet right now!

Let’s find out how premium roadside assistance can save you time and money and which cards carry this useful benefit.

What Is Roadside Assistance?

Basic Roadside Assistance or Roadside Dispatch

Roadside assistance (or roadside dispatch, as it can commonly be referred to) usually means you’ll have a dedicated phone line to call for referral services when you have a vehicle roadside emergency.

Services can include towing, tire changes, emergency fuel, and other related vehicle breakdown-related services. Basic roadside assistance coverage comes complimentary on a lot of credit cards.

Although the referral service itself is complimentary, the cardholder is responsible for the cost of any actual services provided. For example, if you were to have a flat tire and call the roadside assistance line, a service provider could be summoned to come change your tire, but you would be responsible for paying the service provider.

Hot Tip: Some basic roadside assistance coverage can also include a preferred pre-negotiated flat rate that is charged to the cardholder, such as $59 per service call.

Premium Roadside Assistance

Premium roadside assistance is a step up from roadside dispatch, as the services are provided either at no cost or include a specific maximum benefit amount (such as $50 per service call).

For example, services like towing, lockout service, fixing a flat tire, or providing a small amount of fuel might be provided at no charge, or the cardholder might pay any amount exceeding the maximum benefit limit.

Premium roadside assistance is also a complimentary benefit that is included on several credit cards. Knowing which type of roadside assistance coverage you have can save you plenty if you’re stranded and need help.

The 5 Best Personal Credit Cards for Premium Roadside Assistance

Let’s take a look at some of the best credit cards that currently come with this premium roadside assistance benefit.

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1. Chase Sapphire Reserve®

A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

Learn More(at Chase's secure site)A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.

UP's Bonus Valuation*:

$1,200Why We Like This Card

If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.

The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options.  Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.

Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!

Card HighlightsEarn 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 Ultimate Rewards® $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® 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 purchasesGet 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel1:1 point transfer to leading airline and hotel loyalty programsAccess to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and moreMember FDIC

Financial Snapshot

Foreign Transaction Fees: None

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Chase Ultimate Rewards

Our top-shelf winner in this space of credit cards with roadside assistance is the Chase Sapphire Reserve card.

One of Chase’s ultra-premium credit cards, the Chase Sapphire Reserve card offers some amazing rewards as well as travel benefits, including premium roadside assistance.

Currently, this credit card offers up to 10x Ultimate Rewards points on purchases:

10x points on car rentals, hotels, and dining booked through the Chase travel portal

10x points on Lyft purchases through March 31, 2025

10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

5x points on airfare booked through the Chase travel portal

3x points on all other travel and dining purchases

1x points on all other purchases

Other transportation-related perks on top of premium roadside assistance include elite status and/or discounts with Avis, National, and Audi on demand, as well as other travel protection perks.

You can utilize the Chase Sapphire Reserve card’s $300 annual travel credit, complimentary Priority Pass Select membership, a 50% redemption bonus when using points on bookings made through Chase Ultimate Rewards, a $100 Global Entry, TSA PreCheck, or NEXUS application fee credit, and access to the Luxury Hotel & Resort Collection.

Lastly, you’ll get purchase protection, extended warranty, and no foreign transaction fees whenever you use your Chase Sapphire Reserve card.

Why We Like Earning Chase Ultimate Rewards Points

We painstakingly track how much different points and miles are worth — and we believe Chase Ultimate Rewards points are worth 2 cents each, which means you can earn a return on spending of up to 20% with the Chase Sapphire Reserve card!

And although this number can fluctuate depending on how you use your points, you could potentially get even better value if you cleverly use the Chase transfer partners to book luxury award travel.

Furthermore, there are other, reduced-value ways to use your points, including travel through Chase Ultimate Rewards, gift cards, statement credits, charitable donations, and online shopping.

2. United℠ Explorer Card

With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

Learn More(at Chase's secure site)With priority boarding privileges, no foreign transaction fees and more, MileagePlus members will definitely enjoy their partnered card.

UP's Bonus Valuation*:

$720Good to Excellent (670-850)

The United Explorer card is one of the few credit cards offering premium roadside assistance, which means it’s in the exclusive company of cards like the Chase Sapphire Reserve card.

And for a credit card with such a mild annual fee, this benefit sets it apart from all other credit cards in the category, at least in the context of premium roadside assistance.

To start off, the welcome bonus is substantial and the earning categories are abundant:

Earn 2x miles on United purchases

Earn 2x miles on dining (including eligible delivery services) and hotel stays when booked with the hotel

Earn 1x miles per dollar spent on all other purchases

But what you’ll probably fall in love with is the long list of benefits that United loyalists find useful:

Free first checked bag for yourself and a companion on the same reservation when you purchase your United ticket with your United Explorer card

Priority boarding for yourself and a companion on the same reservation

The ability to earn 25 Premier Qualifying Points (PQPs) when you spend $500, up to 1,000 PQPs per calendar year

2 United Club 1-time passes every cardmember year

25% statement credit on United inflight purchases

General travel benefits include a $100 Global Entry, TSA PreCheck, or NEXUS application fee credit, no foreign transaction fees, travel insurance, purchase protection, extended warranty, and no foreign transaction fees.

Why We Like Earning United MileagePlus Miles

United MileagePlus miles are worth around 1.3 cents each. If you earn 2x miles on certain purchases, you’ll get a return on spending of around 2.6%.

To squeeze even more value from your United miles, save your miles for redemptions in international business or first class flights on partner airlines like Lufthansa and ANA.

3. Chase Freedom Unlimited®

This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!

Learn More(at Chase's secure site)This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!Good to Excellent (670-850)Card HighlightsINTRO OFFER: 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!Enjoy 6.5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 4.5% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 3% on all other purchases (on up to $20,000 spent in the first year).After your first year or $20,000 spent, enjoy 5% cash back on Chase travel purchased through Ultimate Rewards®, 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and unlimited 1.5% cash back on all other purchases.No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.No annual fee – You won't have to pay an annual fee for all the great features that come with your Freedom Unlimited® cardKeep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.Member FDIC

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Foreign Transaction Fees: None

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Chase Ultimate Rewards

The Freedom Unlimited card is one of our favorite credit cards for everyday purchases, and it just so happens to be one of the best credit cards that offers access to basic roadside assistance.

Although you may get a welcome offer from time to time, you’d want to keep this card open for the long-term benefits, which include the following rewards tiering:

5% cash-back on all travel booked through Chase Ultimate Rewards

5% cash-back on Lyft purchases through March 31, 2025

3% cash-back on dining and at drugstores

1.5% cash-back on all other purchases

Even better, the rewards earned from the Freedom Unlimited card can easily be converted to Ultimate Rewards points at a 1%-to-1x ratio if you have an eligible Ultimate Rewards credit card like the Chase Sapphire Preferred® Card, Chase Sapphire Reserve card, or Ink Business Preferred® Credit Card.

By converting your points, your 5%, 3%, and 1.5% cash-back can transform into a higher ROI of 10%, 6%, and 3%, respectively.

4. Capital One Venture X Rewards Credit Card

Terms Apply / Rates & Fees

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Learn More(at Capital One's secure site)The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

UP's Bonus Valuation*:

$1,350

APR

19.99% - 29.99% (Variable)Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Card HighlightsEarn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travelReceive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip optionsGet 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversaryEarn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One TravelEarn unlimited 2X miles on all other purchasesUnlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge NetworkUse your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programsElevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and moreReceive up to a $100 credit for Global Entry or TSA PreCheck®

Financial Snapshot

APR: 19.99% - 29.99% (Variable)Foreign Transaction Fees: None

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Capital One Miles

As our only Capital One credit card option in this guide, the Capital One Venture X card is a fabulous pick, whether or not you’re looking for basic roadside assistance coverage.

Right now, the welcome bonus is fantastic, and that’s not even taking into account the earnings of up to 10x Capital One miles:

10x miles on car rentals and hotels booked via Capital One Travel

5x miles on flights purchased through Capital One Travel

2x miles on other purchases

This credit card is one of the only options that offers complimentary Hertz President’s Circle status, as well as the only card that allows unlimited complimentary visits to Capital One Lounges.

There’s also a complimentary Priority Pass Select membership, access to Plaza Premium Lounges, an account anniversary bonus of 10,000 miles, an up to $300 annual Capital One Travel credit, and travel insurance that includes primary rental car coverage.

Why We Like Earning Capital One Miles

Capital One miles are worth 1.8 cents each in our books, making the one of the most valuable currencies out there. Earning 10x miles would be worth an approximate return on spending of 18%.

You’ll generally get the best value by redeeming those miles with transfer partners and booking premium cabin award travel.

5. Chase Sapphire Preferred® Card

A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.

UP's Bonus Valuation*:

$1,200Good to Excellent (670-850)Card HighlightsEarn 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 Ultimate Rewards®.Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

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Chase Ultimate Rewards

The last personal credit card we’ll discuss is the Chase Sapphire Preferred card, which is one of the most famous credit cards out there. And at the moment, it offers basic roadside assistance.

Despite having a low annual fee, the Chase Sapphire Preferred card earns a whopping 5x Ultimate Rewards points on select purchases:

5x points on travel purchased through the Chase travel portal

5x points on Lyft purchases through March 31, 2025

5x points on Peloton equipment and accessory purchases over $250 through March 31, 2025

3x points on dining, select streaming services, and online groceries

2x points on all other travel

1x points on all other purchases

Also, the Chase Sapphire Preferred card has a unique benefit that provides cardholders a 10% rewards bonus after every cardmember anniversary.

Get an annual credit of $50 towards prepaid hotel stays booked through the Chase travel portal, too.

Bottom Line: Currently, we love the Chase Sapphire Reserve card and United Explorer card as our favorite personal credit cards offering premium roadside assistance. And our 3 favorite personal credit cards offering basic roadside assistance are the Freedom Unlimited card, Capital One Venture X card, and Chase Sapphire Preferred card.

The 4 Best Business Credit Cards for Premium Roadside Assistance

Chase is one of the only business card issuers to offer a premium level of roadside assistance. Let’s take a look at our favorite options.

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1. United℠ Business Card

LIMITED-TIME OFFER

The United Club Business card is a great option for frequent United flyers looking for United Club access.

The United Club Business card is a great option for frequent United flyers looking for United Club access.

UP's Bonus Valuation*:

$900

APR

21.99%–28.99% VariableGood to Excellent (670-850)

Our favorite business credit card for roadside assistance is the United Business card, which is a match made in heaven for business owners that frequently fly on United.

In addition to the large welcome bonus, you can access premium roadside assistance, which is exceptionally rare for a business credit card.

This is on top of the 2x United miles earned per dollar spent:

2x miles on United purchases

2x miles at gas stations, on dining (including eligible delivery services), at office supply stores, and on local transit (including mass transit, rideshare services, taxis, train tickets, and tolls)

1x miles on all other purchases

If you happen to pair your United Business card with a personal United credit card like the United Explorer card above, you’ll get a better-together bonus of 5,000 miles after every cardmember anniversary.

The United benefits are similar to those on the United Explorer card:

Free first checked bag for yourself and a companion traveling on the same reservation when you purchase the ticket with your card

Priority boarding for yourself and a companion traveling on the same reservation

Earn 25 Premier Qualifying Points (PQPs) after spending $500 on your card (up to 1,000 PQPs per calendar year)

2 United Club 1-time passes every year

25% back on United inflight purchases

$100 United travel credit after you make 7 United flight purchases of $100 or more every cardmember year

Unsurprisingly, the United Business card also offers access to the Chase Luxury Hotels & Resort Collection, travel insurance, purchase protection, extended warranty, no foreign transaction fees, and employee cards for no additional annual fee.

2. Ink Business Preferred® Credit Card

NEW OFFER

The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

Learn More(at Chase's secure site)The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.

UP's Bonus Valuation*:

$2,000Good to Excellent (670-850)Why We Like This Card

The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.

Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.

Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.

The runner-up credit card is arguably our favorite Chase business credit card: the Ink Business Preferred card. It offers a generous welcome bonus, incredible rewards categories, and access to basic roadside assistance.

To start off, this business credit card earns 3x points per dollar spent on purchases in the following categories (capped at the first $150,000 in combined purchases every anniversary year):

Ads purchased with search engines or social media sites

Internet, cable, and phone services

Shipping expenses

Travel

It also offers 5x points on Lyft purchases through March 31, 2025. On all other purchases, you’ll earn 1x points.

Overall, earning 5x, 3x, or 1x Ultimate Rewards points is equivalent to a 10%, 6%, or 2% return on spending.

This impressive credit card has some incredible cell phone protection coverage, purchase protection, extended warranty, no foreign transaction fees, and no additional fee for employee cards.

3. Southwest Rapid Rewards® Performance Business Credit Card

Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

Learn More(at Chase's secure site)Southwest frequent flyers will love the upgraded boarding positions, inflight Wi-Fi credits, and bonus points on each cardmember anniversary.

UP's Bonus Valuation*:

$1,040Good to Excellent (670-850)

The Southwest Performance Business card is the most premium credit card product from Chase’s partnership with Southwest Airlines. Right now, the credit card has basic roadside assistance and a fantastic welcome bonus, as well as a seemingly endless list of benefits when flying Southwest.

With this credit card, you can earn up to 4x Rapid Rewards points per dollar spent:

4x points on Southwest purchases

3x points on Rapid Rewards hotel and car rental partners

2x points on local transit and commuting purchases (including buses, parking lots and garages, passenger trains, rideshare, taxis, and tolls), on social media and search engine advertising, and on internet, cable, and phone services

1x points on all other purchases

Every year, holders of this card will get a cardmember anniversary bonus of 9,000 Rapid Rewards points.

Get closer to A-List elite status by spending $10,000 in purchases to earn 1,500 tier qualifying points (TQPs) with no limits on how many TQPs you can earn. There are also 4 Upgraded Boardings every year when available, a $500 fee credit for points transfers per anniversary year, inflight Wi-Fi credits, and a $100 Global Entry or TSA PreCheck application fee credit.

To round out the benefits on this card, enjoy purchase protection, extended warranty, travel insurance, no foreign transaction fees, and no additional fee for employee cards.

Why We Like Earning Southwest Rapid Rewards Points

Southwest Rapid Rewards points are worth approximately 1.4 cents each, though the exact value can fluctuate in small amounts. You won’t get any outsized value from your rewards far beyond what their standard value is because Rapid Rewards points are a fixed-value currency.

The good news is that your redemption value is consistently between 1.3 and 1.5 cents per point, but the bad news is that there’s no way to get double or triple the value on your redemptions.

4. United Club℠ Business Card

A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

Learn More(at Chase's secure site)A business card from Chase for United loyalists with benefits such as free checked bags and discounts on inflight purchases.

UP's Bonus Valuation*:

$1,200Good to Excellent Credit Recommended (670-850)Card HighlightsEarn 100,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open.Receive a 5,000-mile "better together" bonus each anniversary when you have both the United℠ Business Card and a personal Chase United® credit card.Earn 2 miles per $1 spent on United® purchases, dining including eligible delivery services, at gas stations, office supply stores, and on local transit and commuting.Earn 1 mile per $1 spent on all other purchases. Plus, employee cards at no additional cost - miles earned from their purchases accrue in your account so you can earn rewards faster.Enjoy a free first checked bag - a savings of up to $140 per roundtrip (terms apply), 2 United Club℠ one-time passes per year, and priority boarding privileges.$100 United® travel credit after 7 United flight purchases of $100 or more each anniversary year.Member FDIC

Financial Snapshot

Foreign Transaction Fees: None

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The final credit card in this guide is the United Club Business card, which happens to be the ultra-premium credit card product offered to business owners loyal to United Airlines. At the moment, it offers premium roadside assistance, though the annual fee on this card is substantial. You’d really only want to get this credit card if you needed United Club access included with your card.

The good news is that the welcome bonus is massive, and the earning structure is streamlined:

2x miles on United purchases

1.5x miles on all other purchases

Even better, you’ll get better United perks with the United Club Business card than you would with the United Business card:

United Club membership

Free first and second checked bags for yourself and a companion on the same reservation when you purchase your United ticket using your card

Complimentary Premier Access travel services, which include priority check-in, security, boarding, and baggage handling

Get closer to elite status by earning 25 PQPs after spending $5 per calendar year (up to 1,000 PQPs per calendar year)

Complimentary upgrades on award tickets for yourself and a companion on the same reservations

25% back on United inflight purchases

The benefits also include access to the Avis President’s Club, access to the Luxury Hotel & Resort Collection from Chase, travel insurance, no foreign transaction fees, and employee cards for no additional annual fees.

How Premium Roadside Assistance Works for Chase Cards

When you’re stranded with a dead battery, flat tire, or even a mechanical breakdown, Chase’s roadside assistance can help you get back on the road quickly.

On eligible cards, Chase provides either premium roadside assistance or basic roadside assistance.

Premium roadside assistance — included with the Chase Sapphire Reserve card, United Explorer card, United Business card, and United Club Business card — covers traveling in the U.S. and Canada, up to a limit of $50 per service call, for up to 4 events each calendar year. Cardholders are covered when driving a vehicle they own, a leased vehicle, or a vehicle furnished by the owner.

The following services are provided under Chase’s premium roadside assistance coverage:

Towing to the nearest facility or location of your choice

Tire changing (installation of your inflated spare tire)

Fuel delivery of up to 2 gallons

Battery boost

Lockout service (not including key replacement)

Any service charges in excess of $50 will be charged to the cardholder’s Chase credit card.

Premium roadside assistance is available 24/7 by calling 888-860-7978. When you call, you’ll need to provide your name, address, vehicle identification number (or make/model/year of the car), the location of the vehicle, and a phone number where you can be reached.

Services are provided on a “sign and drive” basis, which means you do not need to pay the service provider when you receive service. Any excess over the $50 benefit limit, if applicable, will be charged to your Chase credit card.

Hot Tip: Basic roadside assistance for Chase cardholders is available at a different phone number (800-847-2869) and is subject to a pre-negotiated, per service fee that covers standard towing of up to 5 miles, tire changing, jump start, lockout, fuel delivery of up to 5 gallons plus fuel costs, and standard winching.

Exclusions

Emergency road service is not available in “off-road” areas. The service is meant for ordinary vehicles only — so campers, vehicles in tow, commercial vehicles, and trucks with over 1-ton capacity are excluded.

Service is limited to 1 event for the same cause within a 7-day period.

Bottom Line: Chase offers premium roadside assistance service and provides a benefit of up to $50 for each service call. Coverage is offered in the U.S. and Canada, with a maximum of 4 service calls per year. On some Chase cards, you must be more than 50 miles from home to use the service. 

How Basic Roadside Assistance Works for Visa Cards

Several of the cards we’ve profiled, including the Freedom Unlimited card, Capital One Venture X card, Chase Sapphire Preferred card, Ink Business Preferred card, and Southwest Performance Business card, come with Visa’s basic roadside assistance.

To use basic roadside assistance, just call 800-847-2869. This service has a set, pre-negotiated price per service call, which covers:

Standard towing (up to 5 miles included)

Tire changing (must have good, inflated spare)

Jump starting

Lockout service (no key replacement)

Fuel delivery (up to 5 gallons, plus the cost of fuel)

Standard winching

At the moment, the current fee for a standard service call is $69.95.

Exclusions

If you require a tow for more than 5 miles, you must pay additional costs beyond 5 miles.

If there’s a secondary unit being towed, it may be accommodated for an extra fee.

Towing rates apply to vehicles with up to 1 ton of gross vehicle weight.

Standard winching also applies only within 100 feet of paved or county-maintained road only.

Hot Tip: If you happen to have a Mastercard that offers Master RoadAssist Roadside Service, this basic roadside assistance benefit can be used by calling 800-MASTERCARD.

Final Thoughts

While premium roadside assistance coverage is not a primary reason alone to select a travel rewards card, if you have a lot of credit cards in your wallet, it’s good to know which ones carry this benefit.

In addition, you may be paying for AAA or other roadside assistance programs, but not need the full array of coverage offered with such a membership. If the premium roadside assistance on your credit card is adequate and matches the scope of your driving activity, you may be paying for excess coverage you don’t need. Chase cards that offer this coverage require you to be away from home, have a cap of 4 uses per year, and limit the coverage to $50 per service call.

It’s important to note that the credit card with the best roadside assistance may not be the best credit card for you overall. There are far more important benefits to consider when selecting a travel rewards card that is going to be the best fit for your situation.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.

Enrollment required through Capital One website or mobile app. Upon enrollment, eligible cardholders will remain at upgraded status level through December 31, 2024.  Please note, enrolling through the normal Hertz Gold Plus Rewards enrollment process (e.g. at Hertz.com) will not automatically detect a cardholder as being eligible for the program and cardholders will not be automatically upgraded to the applicable status tier.  Additional terms apply.

The information regarding the United Club℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.

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