Bmo Cash Back Mastercard
- Interest APR: 19.99% purchases and 22.99% cash advances
- Great for students and newcomers to Canada
- Income eligibility: $15,000
If you are looking for a basic credit card that offers good cash back earn rate on all your purchases, has no fees, and with a low-income requirement, this card is worth checking out.
The BMO Cash Back Mastercard offers 3% cash back on grocery purchases and 1% on recurring bill payments. All other purchases earn at a 0.50% rate. The 1% and 3% cash back categories are each limited to $500 spending per month.
New cardholders who carry a balance can take advantage of the 1.99% balance transfer rate for 9 months a 1% transfer fee applies.
This card offers basic insurance including purchase protection and extended warranty as well as up to 25% discount when you rent a car at participating National Rent A Car and Alamo Rent A Car locations.
Students can also qualify for the Tangerine Money-Back Credit Card and earn up to 2% cash back while paying no annual fees.
Best Credit Cards For Roadside Assistance
Best premium card
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 roadside assistance applies vehicles the cardholder owns or is leasing. It can also apply to cars an owner is letting you borrow. Youll be covered for up to $50 per incident four times per year. This only applies if youre 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 youll need to call 866-860-7978 and give them your contact info, location of the car and the cars VIN or make, model and year.
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. Its also something that separates the Reserve from other premium cards, like the Citi Prestige® Card, which currently doesnt offer any travel insurance perks.
Best for low annual fee
Roadside assistance benefits
$95, waived the first year.
Legit Ways To Get Cheap Roadside Assistance
by Lauren Bennett – Verified & Updated February 7, 2022
Roadside assistance, whether you get it for free or cheap, is a great plan to have for drivers especially for those with older used cars or vehicle more prone to breaking down, but even new cars can get flat tires or run into other issues.
Whether you get a flat tire or just break down, getting stuck at the side of the road is just no fun, not to mention it is a road safety hazard. Having roadside assistance can not only make situations like getting a flat tire a lot less stressful, but it can save you money if you choose an affordable plan.
The best roadside assistance plans are from companies such as Nationwide, Progressive and Allstate, but they arent the only ones.
There are cheap roadside assistance plans out there and, in some cases, you may be able to get it for free.
Services offered will vary depending on the plan you have. Generally, it includes things like:
- Fuel delivery
- Changing flat tires or airing your tires for free
- Locksmith services
- Battery jump-start
- So, this involves pulling a car with a chain or a rope if its stuck in snow, ice, or mud, for example.
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How Does Roadside Assistance Pricing Work
Pricing for your roadside assistance network benefits depends on your card.
You might only have to pay a flat fee for each roadside service you need. But there can be additional fees in some situations, like if your car needs to be towed more than five miles or if it needs to be winched out of a ditch.
The fees for some services might be pre-negotiated by your card issuer. Or the prices for each service might be set by the actual service provider.
Typically, roadside assistance fees can be billed directly to your Capital One card to make the entire process easier. When you have a roadside emergency, the last thing you need is another bill to keep track of.
What Does Credit Card Roadside Assistance Cover
Every rewards credit card might have a slightly different policy, but you can expect your benefits to cover the following events:
- Tow to the nearest repair shop or desired location
- Replace a flat tire
- Two gallons of gas
Your car insurance policy or AAA membership might offer similar benefits, but you usually need to pay an additional monthly fee. If your credit card already includes these benefits, why pay more for your car insurance?
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How To Decide If Roadside Assistance Is Worth It
Roadside assistance can come in handy, regardless of your vehicle’s age. While older cars are more likely to need repairs, common issues such as a flat tire, dead battery, empty gas tank or lock-out can happen to anyone.
Here are some additional pros and cons to consider when deciding if you should buy coverage:
|Pros and Cons of Roadside Assistance Coverage|
Ultimately, you want to weigh the features and benefits of each plan with the cost to determine if roadside assistance is a good fit. If you decide to buy coverage through your insurance provider, it should only increase your premiums by a small amount. But if you buy a plan from an auto club, you’ll want to budget between $60 and $135, depending on the level of coverage you’re seeking.
Roadside Benefits Provided By Other Credit Cards
Although roadside assistance is no longer a benefit on most Citi and American Express cards, some other cards still offer roadside assistance as a benefit. However, many only help with arranging services that you need to pay for yourself. This benefit can still be valuable since it saves you from searching for a provider on your own. But, you might end up with a hefty bill.
To determine whether your card provides roadside benefits, check your guide to benefits or call the number on the back of your card.
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Best Credit Cards In Canada With Free Roadside Assistance 2021
Roadside assistance is something you never think aboutuntil you need it. Having one of these credit cards in your wallet will ensure you’re never caught off guard. Use this guide to choose the option that’s right for your spending habits and needs.
Add roadside assistance to the list that includes a plunger, first-aid kit and a screwdriver small enough to fix your sunglasses: Things you dont realize you need, until you need them. But it can feel like you won the lottery when youre stranded on the highway during a good ol Canadian snowstorm, and you discover your credit card has this perk. Thats why we rounded up the best credit cards with free roadside assistance.
Triangle World Elite Mastercard
The Triangle World Elite Mastercard is a part of Canadian Tires Triangle Rewards program and offers a free roadside assistance plan. This Gold -level plan comes with 24/7 towing, fuel delivery, flat tire change, battery boost, lockout, and extrication services.
Cardholders get up to 5 services per year plus unlimited tows to any Canadian Tire Auto within a 250 km radius in Canada or the U.S.
You can also pay for Canadian Tire roadside assistance directly if you dont want to apply for a credit card. In that case, the Gold Plan has a $99.95 annual fee.
- Annual card fee: $0
- Other benefits: 3% in Canadian Tire Money per 1$ spent on groceries , 4% at CT stores, and up to 7 cents per litre of gas purchased at Gas+ stations, extended warranty, purchase protection and car rental insurance.
Noteworthy: You can register the service to you or to one specific vehicle. A minimum personal income of $80,000 is required to be eligible for the card.
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Roadside Assistance With Non
Prominent banks like Amex and Citi dont offer roadside assistance on most of their cards. Cards that do come with the perk often do little more than putting you in contact with companies that can help you youll still have to pony up for the fees incurred to tow your vehicle, deliver gas, etc.
While its still a handy benefit, and may ease your apprehension to rent a car while youre traveling, you could end up paying quite a bit for your trouble. And you may very well be able to better find your own help via a quick google search.
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Adib Dana Mastercard Roadside Assistance
ADIB is a popular Shariah-compliant Islamic financial institution that offers a wide range of services and products in the UAE. The ADIB Dana MasterCard is the one-stop solution for all your credit card needs that comes with the feature of roadside assistance.
Some of the key features of the ADIB Dana MasterCard are as follows-
- Get complimentary access to more than 850 airport lounges across the globe
- Valet parking
If You’re Considering A Credit Card With Emergency Roadside Assistance
Roadside assistance is an important credit card benefit that can help you if youre stuck on the side of the road. Many credit card issuers offer this perk so you dont necessarily need a AAA membership to have access to these benefits.
The information related to the Chase Slate®, Chase Freedom® and Chase Freedom® Student has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card. The Wells Fargo Propel American Express® card is no longer accepting new applications.
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How Does Credit Card Roadside Assistance Compare To Aaa
I keep a AAA membership for the discounts and benefits, especially at hotels and amusement parks. So, I typically call AAA if I need roadside assistance. But if you only maintain your AAA membership for roadside assistance, it may not be as necessary as youd previously assumed. This is especially true if you have the Chase Sapphire Reserve, which offers complimentary roadside assistance up to $50 four times each year.
Some other credit cards including all Visa cards provide paid access to roadside assistance. This access may be adequate if you dont utilize the benefit too frequently. Just remember that the roadside assistance benefit supplied by some credit cards technically requires you to be traveling away from home. So, the benefit might not apply if your car battery goes dead in your driveway.
What Is Roadside Assistance
Roadside assistance sometimes called roadside dispatch can refer to a wide variety of services to help drivers out in a pinch. From lockout service to towing, the term serves as an umbrella for any roadside help you might need.
In the case of credit card benefits, roadside dispatch typically refers to a 24/7 customer service line that can serve as a go-between from the customer to the service provider. Rather than leave cardholders to search for a tow company or locksmith themselves, roadside assistance services send out a third party on behalf of the customer to save you a step.
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How To Use Roadside Assistance
Wondering how to use your Capital One credit cardâs roadside assistance benefit? Itâs as easy as making a phone call.
The roadside assistance providersâand the corresponding hotline numberâcan vary from card to card. So itâs best to check your cardâs benefits guide to see which number youâll need to call if you need roadside assistance.
The operator will ask you where you are and what the problem is. Then, theyâll dispatch the appropriate local service provider. And remember, if you feel unsafe, the best thing to do is to call 911.
Not sure what benefits come with your account? Just take a look at your card. Youâll be able to see if itâs a Visa or Mastercard and what specific account type it is. For example, if you have a Visa Signature card, it should say âVisa Signatureâ on your physical card.*
And if youâre still not sure which number to call, you can always call Capital Oneâjust use the number on the back of your card.
Which Insurance Companies Offer Roadside Assistance
Most auto insurance companies offer roadside assistance as a policy add-on, but benefits will vary. Below, we outline programs that are offered through the largest auto insurance companies.
All State Farm drivers can use the company’s roadside assistance feature. If you didn’t add the benefit to your policy, you’ll just pay a fee for services you use. The price is usually less than market rates. State Farm’s emergency roadside service includes all the basic features, but mechanical and locksmith labor is limited to one hour. The time limit should be enough to resolve most issues, though.
The big selling point of Geico’s roadside assistance add-on is that you can request help through Geico’s mobile app rather than calling the company. You can save your policy information in the app and let the company locate you with GPS. Geico’s location tracking can be helpful if you ever find yourself stranded without a sense of where you are.
Allstate offers three tiers of service by far the most options when it comes to roadside assistance. The third tier, Allstate Motor Club, offers the most features and can also be purchased as a stand-alone service. If you’re interested in benefits beyond towing and tire changes, Allstate’s Motor Club is a great choice as it provides trip interruption coverage and a personal concierge.
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American Express Roadside Assistance Benefits
Some people regard American Express cards as having the most generous roadside assistance benefits because they dont set a price limit.
To get free roadside assistance benefits, you will need to use one of the cards listed below with Premium roadside assistance:
- The Platinum Card® from American Express
- The Business Platinum Card® from American Express
- Hilton Honors American Express Aspire Card
- Delta SkyMiles® Reserve American Express Card
- Delta SkyMiles® Reserve Business American Express Card
- American Express® Gold Card
- American Express® Business Gold Card
Learn more about some of these in our best premium cards post. The other American Express rewards cards only offer free access to the roadside assistance hotline. Its free to call Amex for help, but you will need to pay for any assistance.
With the American Express Premium Roadside Assistance, youre entitled to free assistance up to four times a year:
- Free tow service up to 10 miles
- Flat tire when you have a workable spare tire
- Lockout service when the key is in the vehicle
- Up to two gallons of gas
Considering a 5-mile tow costs up to $125, this little-known benefit can be more valuable than you realize.
Chase Credit Cards That Offer Roadside Dispatch For A Fee
Cardholders of Chases low-fee and no-fee Visa credit cards receive these services for an additional fee while traveling in the U.S. and Canada:
Towing up to five miles.
Flat tire changes as long as the cardholder has a good, inflated spare tire.
Jump-start to boost the car battery.
Lockout service but a key replacement isn’t included.
Fuel delivery of up to five gallons .
Winching within 100 feet of paved or county-maintained roads.
Although these benefits arent as exhaustive as those provided on the Chase Sapphire Reserve®, they can still come in handy if youre stranded on the side of the road. You will receive coverage on any vehicle as long as its 10,000 pounds or less. Assistance is available 24/7/365 and can be reached by calling 800-847-2869.
Cards providing roadside dispatch:
Chase Sapphire Preferred® Card : Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®.
Chase Slate® : Save with a $0 introductory balance transfer fee and get 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, free credit score, updated weekly with Credit Journey.
Chase Freedom Unlimited® : Earn an additional 1.5% cash back on everything you buy – worth up to $300 cash back!
Chase Freedom® : Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
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