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Someone locked their keys inside the car
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
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.
My not-so-exhaustive list of credit cards that offer roadside assistance
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.