Best Road Side Assistance Credit Cards in Canada For 2024

Kevin Shahnazari

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5 min read

Have you ever been on the road, suddenly your car breaks down, and you get stressed out because of the situation?

This has happened to me! I was on my way from Vancouver to Kelowna, and there were no gas stations for a very long part of the road, and without knowing that, I ran out of gas!

After going through all the stress of handling that situation, I decided to get a Credit Card out of Canadian credit cards with roadside assistance. Having the roadside assistance benefit gave me the peace of mind that if something similar happens, help is just a phone call away!

In this guide, I'm going to share what I have found, and we'll explore Credit Cards With Roadside Assistance Canada and help you choose the best one for your needs.

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!

What are the Best Credit Cards with Roadside Assistance Canada?

To be honest because roadside assistance is such a great benefit and also costly benefit to provide for the credit card issuers, this is very rare benefit within credit cards.

There are only three credit cards in Canada that provide this benefit. And only one out of the three is Free!

1. Free Roadside Assistance Credit Card

The good news is that there is at least one Free roadside assistance credit card called Triangle World Elite Mastercard.

The bad news?

Qualifying for this card is difficult. You need an EXCELLENT credit score, and either you must make over $80K, or your household must make over $150K a year. And there have been some cases that people with these qualifications have been rejected.

More Details

Triangle World Elite Mastercard

3.5

Finly Rating

Welcome Bonus

Net Annual Rewards

$335.34

Based on $2,000/mo spending. Calculate your rewards.

Annual Fee

Interest Rates

21.99% / 22.99%

RECOMMENDED CREDIT SCORE

300

Poor

560

Fair

660

Good

725

Very Good

760

Excellent

Why we like it

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 & Cons

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.

Product Details

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 days
Car 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
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
Excellent
Annual Income
$80,000 personal or $150,000 household

If you have these requirements, you can apply and see if you are accepted. The Free roadside assistance credit card (Triangle World Elite) comes with an additional Car Rental Collision/Loss and Damage insurance which is also nice because most free Credit cards don't have that.

Regarding cashback, this card is very average and is best used in Canadian Tire-related stores, and we don't recommend making it your main credit card, which you make all your daily purchases with.

Not let's dive into the paid cards with Annual fees that offer roadside assistance.

2. Paid Credit Cards With Roadside Assistance Canada

BMO Cash Back 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.