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Ever been stuck on the side of the road with a flat tire? Locked your keys in your car? Run out of fuel? Having access to roadside assistance when you have mechanical issues can be a lifesaver.
No matter which state you’re traveling in, one quick call can put you in touch with a roadside assistance dispatch center which will keep you on the phone while organizing the help you need. And the best part? If you hold one of the credit cards listed below, you can use this service up to four times a year free of charge!
Rewards Cards That Offer Complimentary Roadside Assistance
There are plenty of rewards cards offering roadside assistance as one of the listed benefits, but just a handful of those cards offer the service free of charge. Most provide a 24/7 dispatch service, but you pay for the services you use. For example, if you lock your keys in your car, you can call the dispatch service and ask the customer service rep to find a locksmith. The dispatch service organizes the locksmith free of charge, but you’ll pay the locksmith for the service provided.
The list of rewards cards we’ve put together below all provide complimentary roadside assistance. You call the dispatch center, they organize the service technician and, provided it’s an issue covered by your card’s policy, the tow operator, mechanic or locksmith will attend the incident at no cost to you. You can access this complimentary roadside assistance up to 4 times per year, although you cannot use the benefits offered through Chase cards more than once in a 7-day period for the same issue.
Chase Roadside Assistance
Chase limits each service event to the value of $50, and you can only claim one service event for the same cause during any consecutive 7-day period. Chase cards providing free roadside assistance include:
- United℠ Explorer Card
- Chase Sapphire Reserve®
- United MileagePlus® Club Card
- The Ritz-Carlton Rewards® Credit Card
- United℠ Explorer Business Card
- United MileagePlus® Club Business Card
While all the cards above charge an annual fee, note that Chase provides complimentary roadside assistance on the United Explorer Card and the United Explorer Business Card. This is the same full-service roadside assistance that is ordinarily offered on premium cards costing hundreds of dollars per year. The United Explorer Card waives the annual fee for the first year, and both cards charge just $95 per year to hold for the long term.
Chase Roadside Assistance will cover you for:
- Battery Boost if your vehicle won’t start due to a dead or weak battery
- Flat Tire Service if you have a flat tire, they'll install your inflated spare
- Fuel Delivery if you run out of gas, an emergency supply will be delivered to you. The cost of fuel is covered for up to 2 gallons.
- 24 Hour Towing Assistance in the event of a vehicle breakdown that requires a tow. The representative will arrange to transport the vehicle to the nearest repair facility or location of the motorist’s choice. Services will be covered up to $50 for each event
- 24 Hour Lockout Assistance should you accidentally lock yourself out of your vehicle; a qualified locksmith will be dispatched to remedy the situation, up to $50 value for each event. (Replacement key costs are the responsibility of the Cardholder.)
To be eligible for the coverage you must be driving a vehicle you own or lease, or a car furnished to you by the owner (no rentals), and services must be arranged through Cross Country Motor Club at 1-866-860-7978. The policy only covers private on-road transportation, with trucks limited to a carrying capacity of up to 2,000 pounds, and no commercial vehicles. Coverage is valid only when traveling in the U.S. and Canada.
As of 01/01/2020, American Express cards no longer provide Roadside Assistance benefits.
Complimentary roadside assistance is one of the hidden benefits of credit cards that many cardholders may not realize they can claim. There is no need to buy anything or make a specific purchase with your card to qualify for free roadside assistance. You receive the benefit free of charge merely for being a cardholder of any of the rewards cards listed above. If you’re looking for free roadside coverage without paying a premium card annual fee, it’s hard to go past the United Explorer Card, which offers complimentary roadside assistance with the lowest annual fee on the list!
Ever used the roadside assistance offered with your credit card? We’d love to hear from you in the comments!
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