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Best Road Side Assistance Credit Cards in Canada For 2025
Published Sep 13, 2025 8:52 PM UTC • 5 min read
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EditorThe 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 take regular road trips across Canada, consider a premium credit card that includes comprehensive 24/7 roadside assistance as a core benefit.
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BMO CashBack® World Elite® Mastercard®: Best credit card with roadside assistance perk
Triangle World Elite Mastercard: No Annual Fee
TD Cash Back Visa Infinite* Card: Average alternative card
Best Road Side Assistance Credit Cards in Canada
Our choice for: Best credit card with roadside assistance perk
APPLY NOW
on BMO's website
Welcome Bonus
Get up to $335 in additional cash back**
Rewards Rate
1% - 5%
Cash Back
Annual Fee
$120 $0
Interest Rates
21.99% / 23.99%□
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.
Pros
- Offers one of the highest cashbacks on groceries and gas, two of the most frequently spent categories, compared to other credit cards in Canada.
- Includes roadside assistance, a rare but valuable benefit for people on the road.
- Provides a comprehensive list of insurance coverage and benefits.
- High first-year value.
Cons
- Does not include restaurant purchases as a reward category, which is one of the most important spending categories.
- Monthly limits on cash back could be higher
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
Emergency Medical Term
$5M up to 8 days per covered person
Travel Accident
$500,000
Flight Delay
$500 After 4 hours delay
Lost or Stolen Baggage
$500/person, $1,000 maximumBaggage 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
Including battery boosts, flat-tire change, lockout service and towing – a $69/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
Hotel Booking Discount
Save up to 7% on your Booking.com prepaid hotel or property rental bookings at booking.com/mastercardcanada.
Global Data Roaming plan
With FlexiRoam, stay connected around the world without a SIM card and get up to 15% off a Global Data Roaming plan plus up to 3GB of data, without any additional charges, if apply..svg)
Gas Discount
Get up to 7 cents off per litre on Shell® fuel, only for BMO cardholders.
Eligibility
Credit Score
GoodAnnual Income
$80,000 personal or $150,000 household
*BMO is not responsible for maintaining the content on this site. Please click on the Apply now link for the most up to date information. Check here for full details and current product information.
Our choice for: No Annual Fee
APPLY NOW
on Canadian Tire's website
Welcome Bonus
N/A
Rewards Rate
1x - 4x CanadianTire Dollars
Points
Annual Fee
$0
Interest Rates
21.99% / 22.99%
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
- The only credit card in Canada that offers the highly valuable benefit of roadside assistance!
Cons
- This card has a very low acceptance rate based on prior user applications.
It's not a great option to have as your primary credit card, either in terms of rewards or benefits. However, it's a good card to complement your other credit cards.
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
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
Welcome Bonus
Up to $245
Rewards Rate
1% - 3%
Cash Back
Annual Fee
$139 $0
Interest Rates
20.99% / 22.99%
We actually don't recommend this card much. For an annual fee, the rewards earned are very mediocre, and the benefit coverage leaves much to be desired. The only notable benefit is the roadside assistance, which can be covered by an alternative, better credit card.
Pros
- The roadside assistance benefit is nice.
Cons
- Rewards have a low base reward rate for purchases in non-categorized categories and don't include restaurant purchases, which is a very important reward category.
- The travel insurance coverage is very basic for a card that has an annual fee.
Rewards
- 3% cashback groceries, gas (maximum $450 annually)
- 3% cashback on recurring payments (maximum $450 annually)
- 1% cashback on all other credit card purchases.
Insurance
Coverage
Emergency Medical Term
$2M, 10 daysEmergency Medical (65+)
$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 50% more Stars at participating Starbucks storesConcierge Services
Visa Infinite Exclusive Benefits
Roadside Assistance
Free Deluxe TD Auto Club membership (24 hour emergency Road services)Car Rental Discount
10% off base rate of Avis Rent A Car and Budget Rent A Car- Troon Rewards Golf benefits like discounts at over 95 resorts and courses around the world plus access to select private clubs across the U.S
Eligibility
Credit Score
Very 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.
About the author
Kevin Shahnazari
Credit Card Expert
Kevin started FinlyWealth and juggles a bit of everything—digging into data, running our marketing, and keeping the finances on track. Before this, he spent years as a data scientist at tech companies...
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Sara Skodak
Lead Writer
Since graduating from the University of Western Ontario, Sara has built a diverse writing portfolio, covering topics in the travel, business, and wellness sectors. As a self-started freelance content ...
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Anthony Coles
Editor
Anthony started off a career in finance working for the largest staging company in the UK. Tasked with setting up a procurement department and costing up large projects building film studios required ...
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