3 Best Road Side Assistance Credit Cards in Canada For 2026
Published Jul 31, 2026 1:13 AM • 3 min read
The best roadside assistance credit card is one that keeps you protected every time you're on the road. These cards provide valuable emergency services when your vehicle breaks down, from towing and battery boosts to flat tire assistance. If you're a frequent driver or you take regular road trips across Canada, consider a premium credit card that includes comprehensive 24/7 roadside assistance as a core benefit, shaping it up to be one of the best credit cards in Canada.
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Best Road Side Assistance Credit Cards in Canada
Our choice for: Best credit card with roadside assistance perk
on BMO's website
Welcome Bonus
Get up to $650 in value*
Annual Fee
$139 $0
Interest Rates
21.99% / 23.99%□
RECOMMENDED CREDIT SCORE
4.1/5
If you're seeking a cashback credit card, the BMO CashBack® World Elite® Mastercard® stands out for its excellent balance between rewards and benefits. It offers a robust rewards program and a comprehensive benefits list, making it a solid choice. The high first-year value is enhanced by the annual fee waiver, and those with a BMO Premium Chequing Account can enjoy continued fee waivers. While it's highly ranked for rewards alone, it may not be the absolute top choice if benefits are less important to you.
Awards & Recognition
Best Roadside Assistance Card Credit Card
2026
Pros
- Impressive cashback rates
- Rare roadside assistance
- Comprehensive insurance and benefits
- High first-year value
Cons
- Lacks restaurant optimization
- Low monthly cashback caps
Rewards
- 5% cash back on groceries (capped at $500 spending per statement, maximum of $25 in cashback per statement cycle)*
- 4% cash back on daily transit (capped at $300 spending per statement, maximum of $12 in cashback per statement cycle)*
- 3% cash back on gas (capped at $300 spending per statement, maximum of $9 in cashback per statement cycle)*
- 2% cash back on recurring payments (capped at $500 spending per statement, maximum of $10 in cashback per statement cycle)*
- 1% cash back on all other eligible purchases*
Insurance
Coverage
Travel Medical Insurance (64 & under)
$5M up to 8 days per covered person*
Common Carrier Travel Accident Insurance
$500,000
Flight Delay
$500 After 4 hours delay*
Lost or Stolen Baggage
$500/person, $1,000 maximum*Baggage Delay
$500/person, $1,000 maximum After 6 hours*
Hotel Burglary Insurance
$1,000.svg)
Car Rental Damage & Theft
$65K MSRP up to 48 days*
Purchase Protection
90 days
Extended Warranty
1 year
Benefits
Details
Airport Lounge - Dragon Pass
Complimentary membership in Mastercard Travel Pass provided by DragonPass. As a member enjoy lounge access for a fee of just US$32 per person, per visit.*
Roadside Assistance
Complimentary Roadside Assistance Program*; Including battery boosts, flat-tire change, lockout service and towing – a $75/year value.*
Car Rental Discount
Save up to 20% on National Car Rental® and Alamo Rent A Car® and up to 5% on Enterprise Rent-A-Car® at locations worldwide using the Car Rental Booking tool.*
Discount
Enjoy six months of Instacart+ and a $10 monthly Instacart credit when you enroll your eligible BMO Credit Card.*
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
Our choice for: No Annual Fee
on Canadian Tire's website
Welcome Bonus
N/A
Annual Fee
$0
Interest Rates
21.99% / 22.99%
RECOMMENDED CREDIT SCORE
3.2/5
This card is the only one with no annual fee that provides a roadside assistance benefit, which can be a lifesaver for people who travel on the road a lot. The main reason to apply for this card is to have free access to this benefit, given that the rewards are not great in most categories (except for Canadian Tire and grocery purchases).
Pros
- No annual fee
- Roadside assistance
- High Canadian Tire Rewards
- Car rental insurance
Cons
- Low application acceptance rate
Rewards
- 4% back in CanadianTire dollars on almost everything at Canadian Tire, Sport Chek, Mark’s, L’Équipeur, Party City, Pro Hockey Life, Atmosphere, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey, and participating Sports Experts stores
- 3% back in CanadianTire dollars on Groceries (Max 360) Except Costco and Walmart
- 1% back in CanadianTire on all other purchases
Insurance
Coverage
Purchase Protection
Up to 90 daysCar Rental Damage & Theft
31 days
Benefits
Details
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Gas Discount
Save 7¢/L on premium fuel and 5¢/L on all other fuel types at Gas+ and Petro-Canada locations on gas.svg)
Concierge Services
Roadside Assistance
Roadside Assistance Gold Plan: With the Triangle World Elite Mastercard Roadside Assistance Gold Plan, you get towing distance of up to 250 km per service call to the destination of your choice (within Canada or the US)
Eligibility
Credit Score
ExcellentAnnual Income
$80,000 personal or $150,000 household
Our choice for: Average alternative card
on TD's website
Welcome Bonus
Earn up to $600 in total value† including an Annual Fee rebate for the first year†. Conditions apply.
Annual Fee
$139 $0
Interest Rates
21.99% / 22.99%□
RECOMMENDED CREDIT SCORE
4/5
This is a great keeper card, especially for recurring bills and subscriptions. A main notable benefit is the roadside assistance, which is a great valuable perk to have.
Pros
- Roadside assistance
- First-year fee rebate
Cons
- Low base earn rate
- Basic travel insurance
Rewards
- Earn 3% in Cash Back Dollars on Grocery, Gas & Electric Vehicle Charging, Public Transit Purchases.†(max $450 cashback per year, then 1% earning applies)
- Earn 3% in Cash Back Dollars on Recurring Bill Payments, and Streaming, Digital Gaming & Media Purchases†. (max $450 cashback per year, then 1% earning applies)
- Earn 1% in Cash Back Dollars on all other Purchases
- Redeem your Cash Back Dollars to help pay down your Accounts balance whenever you please - the choice is yours†!
- Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions apply.
Insurance
Coverage
Travel Medical Insurance (64 & under)†
$2M, 10 daysTravel Medical Insurance (65 to 75)†
$2M, 4 daysLost or Stolen Baggage†
$1000Baggage Delay†
$1000Car Rental Damage & Theft†
Included
Mobile Device Insurance†
$1000Purchase Protection†
90 daysExtended Warranty†
1 year
Benefits
Details
Extra points†
Earn more at Starbucks: Link your eligible Card to earn more Starbucks Stars at participating Starbucks stores. Conditions applyConcierge Services†
Visa Infinite Exclusive Benefits†
Roadside Assistance†
Receive 24/7 Roadside Assistance with Free Deluxe TD Auto Club membershipCar Rental Discount†
10% off base rate of Avis Rent A Car and Budget Rent A Car
Eligibility
Credit Score
GoodAnnual Income
$60,000 personal or $100,000 household
What is Roadside Assistance?
Roadside assistance programs connect drivers with emergency services like towing, fuel delivery, and lockout assistance, ensuring you're never stranded in a time of need.
Many people get roadside assistance through auto manufacturers, associations, or financial institutions, but another way to save money on it is to get a credit card that comes with Roadside Assistance.
Credit cards with roadside assistance partner with garages, mechanics, or service providers to offer timely and reliable roadside assistance services. These credit cards typically offer 4-6 emergency calls yearly and cover necessary services to get you the help you need!
And the four calls should be more than enough to cover you unless you get into too many accidents each year!
How do Roadside Assistance Services Work?
Credit cards that offer roadside assistance work by partnering with companies like Dominion Automobile Association (DAA) or Canadian Tire Roadside Assistance (CTRA) to provide roadside services to their cardholders. These service providers have garages across Canada and are available 24/7. Services offered include towing, lockout assistance, emergency fuel delivery, flat tire changes, battery boosts, and extrication and winching services.
It's essential to familiarize yourself with the specifics of the roadside assistance coverage offered by your credit card. While most programs cover services like towing, battery boosts, and fuel delivery, there may be certain limitations or exclusions to be aware of. Be sure to read the terms and conditions of your credit card's roadside assistance program to understand the extent of the coverage fully.
Is a credit card with roadside assistance worth it?
If you are someone who regularly travels with your car, then roadside assistance can cost you upwards of a few hundred dollars. And without that insurance, you might need to pay a large amount if an incident happens. So, by having this feature, you can save on these costs and get a lot of value from a card that includes it. In fact, some of the best travel credit cards in Canada include roadside assistance as part of a broader suite of benefits, making them even more valuable for frequent drivers and travelers alike.
From our editors: The full list of Best Road Side Assistance Credit Cards in Canada For 2025
Best credit card with roadside assistance perk: BMO CashBack® World Elite® Mastercard®
With a waived annual fee for the first year, this card provides access to the BMO Roadside Assistance Program, covering services like battery boosts, emergency fuel delivery, and towing. The best thing about this card is that it actually has excellent reward rates and many other perks and insurances and is generally regarded as one of the top rated cashback cards in Canada, especially if you buy a lot of groceries, so a very solid choice just for the reward rates alone and an excellent card with the added benefits. Read BMO CashBack World Elite Mastercard Review.
Best No Annual Fee credit card with roadside assistance perk: Triangle World Elite Mastercard
The good news is that there is at least one free roadside assistance credit card: the Triangle World Elite Mastercard. To qualify, you need an excellent credit score, and either a personal income of over $80,000 or a household income of over $150,000 per year. However, there have been cases where applicants meeting these requirements were still rejected. The Triangle World Elite Mastercard also includes Car Rental Collision/Loss and Damage Insurance, which is a valuable perk—most free credit cards don’t offer this. In terms of cashback, this card is quite average and is best used at Canadian Tire-related stores. It is not recommended as your primary credit card for daily purchases. Read Triangle World Elite Mastercard Review.
Best Alternative credit card with roadside assistance perk: TD Cash Back Visa Infinite
This card provides access to Visa Infinite services and includes roadside assistance. With an average cashback system, it's one alternative card to go for; however, the options above would be better options overall, with better reward systems, perks, and insurances. Read TD Cash Back Visa Infinite Review.
Frequently Asked Questions
Currently none of the Candian versions of the Amex cards have roadside assistance with them.
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