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Credit cards that offer roadside assistance

Jason

ADVERTISER DISCLOSURE: DaddyTravelsNow is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as MileValue.com  This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers.

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I really think things happen to me so I could experience it and write about it. But, seriously. I could really do without all the drama. 😫😫😫

Someone locked their keys inside the car

After attending a church evening service, Nancy and I walked to our car. Each of us relied that the other person had the key to the car. Well, no. Einstein here left the key in the ignition. And no, I did not leave the engine running.

Typical ways to get roadside assistance

Think fast. I’ve locked my keys inside my car many times in the past. These were the services that came to mind:

  • AAA – the Auto Club, I used to have this membership. Saved me back in the day with lockout service, jump start, and towing. Membership starts at $54/year
  • Personal auto insurance – this is also an optional benefit that you could add to your policy

Credit cards and roadside assistance

Think fast. Nancy remembered the benefits of the Chase Sapphire Preferred Card roadside assistance. Well, we didn’t physically have the Chase Sapphire Preferred Card with us. We had the Chase Sapphire Reserve with us. Well, it didn’t matter. Both cards offered roadside assistance.

At 8:01pm, we simply called Chase (1-800-436-7970) the # that was printed on the back of the card. After a few screening questions, we were transferred to a voice recorded line with more basic questions and answers. I ended up with a LIVE rep who informed me that we should be getting a text message when they dispatch someone to come out. Our cell phone # was our trouble ticket number.

By 8:35 pm, we got a bit anxious. There was no text. We Google’d Chase’s roadside assistance number and called 800-860-7978 (for those with the Chase Sapphire Reserve). We did this instead of calling the regular credit card customer service phone number. If you have the Chase Sapphire Preferred Card, the # to call 1-800-847-2869. (We have these #s now saved on our phones).

Nancy called the number to follow-up. The system automatically recognized her number. And she was advised of the ETA – in our case, 4 minutes estimated time of arrival. Just like clockwork, within 3 minutes, Nancy received a phone call and it was the lock out service. And within 4 minutes, roadside assistance met us at the parking lot.

By 8:51pm, Kerry of Kasho Roadside Service safely opened our vehicle.

Hate to sound like a broken record

To be honest with you, I never really associated roadside assistance with our credit cards. The very first thing that came to mind was AAA – an optional membership program that I do not have. So I was really glad to know that this all worked, and that’s why I l love our Chase Sapphire Preferred Card and Chase Sapphire Reserve. An average cost of emergency roadside assistance can cost from $50 to $100. Towing service for 5 miles cost $125. The annual fees on these two cards have paid off more than we’ll ever know.

Roadside assistance typically covers

🚙Towing – up to 5 miles
🚙Tire changing – must have good, inflated spare
🚙Jump starting – battery boost
🚙Lockout service (no key replacement)
🚙Fuel delivery – up to 5 gallons (cost of fuel not included)
🚙Winching (within 100 feet of paved or county-maintained road only) eligible Chase card

If the situation requires more assistance that’s over and beyond the coverage, according to Chase, they will advise you of any potential additional charges. In our case, when we needed the lockout service, that was a generally covered service and we have not been charged anything extra. If your vehicle requires to be towed more than 5 miles, you will be advised of the additional cost based on the number of miles they need to tow your vehicle.
Just know that this could very well change so if you are in need of service, just confirm with the credit cardholder of the benefits you are entitled to get.

You decide

For peace of mind, do you need coverage from all three different sources, or is having the coverage from just one source good enough? That’s for you to decide. If you ask me, I do not have AAA, I also do not have roadside assistance with my personal insurance. 

Not all credit cards offer roadside assistance

My first thought was, “well, it’s gotta be offered by top credit cards – the culprits in my mind that would surely have it were the Chase Sapphire Reserve, Chase Sapphire Preferred, The Platinum Card from American Express, The Business Platinum Card from American Express, Capital One Venture X, or Citi Premier. Well, well, well….I was wrong.

Who’s in and who’s out

  • American Express – Roadside assistance was dropped from all cards on Jan. 1, 2020.
  • Bank of America – All Bank of America Visa cards offer roadside assistance through Visa.
  • Capital One – Capital One does not offer roadside assistance directly, however, many Capital One cards offer roadside assistance through Visa or Mastercard.
  • Chase – All Chase Visa and Mastercards offer some form of roadside assistance.
  • Citibank – Roadside assistance was discontinued as a Citi-offered perk on all cards in Sept. 2019.
  • Wells Fargo – Roadside assistance is available on eligible WF cards through Visa.
  • US Bank – all have roadside assistance through Visa.
SOURCE: Forbes https://www.forbes.com/…/which-credit-cards-offer…/

My not-so-exhaustive list of credit cards that offer roadside assistance

You will notice that this is purely a list of CHASE credit cards. Why? Some of the major card issuers as mentioned above no longer offer roadside assistance.
CLICK HERE https://docs.google.com/…/1Gh_X…/edit…
If your specific credit card was not part of my list, I suggest for you to look up your card and review your benefits.

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Editorial Disclosure: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

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Editorial Disclosure: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
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