Best Roadside Assistance Credit Cards Canada

Best Roadside Assistance Credit Cards Canada

Written by Lisa Rennie
Fact-checked by Caitlin Wood
Last Updated October 4, 2021

Having a credit card in your wallet might make online shopping easy, but they often come with plenty of other perks as well, including complimentary roadside assistance programs.

Imagine getting a flat tire, running out of gas, or getting into an accident and needing emergency assistance. Roadside assistance programs are designed to get help to you right away, but these programs typically require a membership fee. Luckily, there are certain credit cards out there that include their exclusive roadside assistance programs as part of your cardholder perks. And some cards don’t even charge an annual fee!

Let’s take a look at some of the best roadside assistance credit cards available to Canadians to help you choose which one suits you best.

What Does Roadside Assistance Cover?

Roadside assistance programs commonly provide the following types of emergency services:

  • Towing services
  • Lockout services
  • Fuel delivery
  • Flat tire change
  • Battery boosting
  • Winching

If you had to pay out-of-pocket for each individual service, you could be looking at hundreds of dollars or more, depending on the extent of your needs. As such, having an all-encompassing roadside assistance plan at your fingertips can save you both hassle and money. 

Overview Of The Best Roadside Assistance Credit Cards In Canada

The following is an overview of some of the best roadside assistance credit cards in Canada:

BMO CashBack World Elite Mastercard TD CashBack Visa InfiniteTriangle World Elite Mastercard
Annual Fee$120$120$0
Number of Claims Allowed4 calls per year6 calls per year5 calls per year (unlimited towing to any Canadian Tire Auto Service within limits)
Location AvailabilityCanada & Continental USCanada & Continental USCanada & US
Towing DistanceWithin 10kmWithin 200kmWithin 250km
Roadside Assistance Features-Dead battery boosting
-Flat tire change
-Emergency fuel delivery
-Lockout services
-Winching
-Towing within 10km 
-Up to 4 calls a year
-Dead battery boosting
-Flat tire change
-Fuel delivery (5L free; any more at an extra cost)
-Lockout services
-Winching within 200km 
-Towing up to 200km
-Emergency transportation within 80km from home
-Emergency rental car up to $200
-Emergency lodging and meals up to $200
-Battery boosting
-Towing up to 250km
-Fuel delivery
-Flat tire change
-Lockout service
-Winching
Who’s CoveredEach cardholder with a driver’s licenseSpouse or dependent children of the cardholder between ages 16-22 living at home for an additional feeAnyone driving the covered vehicle

Best Roadside Assistance Credit Cards In Canada

If you’re looking for a credit card that comes with a comprehensive roadside assistance program as a perk of being a cardholder, consider any one of the following.

BMO Roadside Assistance With The BMO CashBack World Elite Mastercard 

The roadside assistance program with the BMO CashBack World Elite Mastercard is offered through the Dominion Automobile Association. Membership is free as a cardholder, waiving the usual $69 per year fee for the basic package and includes the following:

  • Dead battery boosting
  • Flat tire change
  • Emergency fuel delivery
  • Lockout services
  • Winching
  • Towing within 10km 
  • Up to 4 calls a year

Details on the BMO CashBack World Elite Mastercard include:

Annual fee: $120 

Purchase interest rate: 20.99%

Cash advance interest rate: 22.99% (21.99% in Quebec)

Eligibility requirements: $80,000/year income for individuals; $150,000/year income for households

Other perks

  • 1% to 5% cash back on eligible purchases
  • Travel and medical protection
  • Concierge services
  • Car rental discounts

TD Deluxe Auto Club Membership With The TD CashBack Visa Infinite

As a TD CashBack Visa Infinite cardholder, you’ll get complimentary membership to the Deluxe Auto Club Membership roadside assistance program to help bail you out of any situation out on the road. The program covers the following:

  • Dead battery boosting
  • Flat tire change
  • Fuel delivery (first 5L free)
  • Lockout services
  • Winching within 200km 
  • Towing up to 200km
  • Emergency transportation within 80km from home
  • Emergency rental car up to $200
  • Emergency lodging and meals up to $200
  • Up to 6 calls per year

TD CashBack Visa Infinite details:

Annual fee: $120 

Purchase interest rate: 20.99%

Cash advance interest rate: 22.99% 

Eligibility requirements: $60,000/year income for individuals; $100,000/year income for households

Other perks: 

  • 1% to 3% cash back on eligible purchases
  • Travel insurance
  • Visa Zero Liability fraud protection
  • Car rental discounts and insurance
  • Visa Infinite Concierge

Canadian Tire Roadside Assistance With The Triangle World Elite Mastercard

You’ll have peace of mind knowing that you have round-the-clock assistance waiting for you if you ever have trouble with your vehicle as a Triangle World Elite Mastercard cardholder. The Canadian Tire Roadside Assistance program offers the following:

  • Battery boosting
  • Towing up to 250km
  • Fuel delivery
  • Flat tire change
  • Lockout service
  • Winching

Here are some more details on the Triangle World Elite Mastercard:

Annual fee: $0 

Purchase interest rate: 19.99%

Cash advance interest rate: 22.99% (21.99% in Quebec)

Eligibility requirements: $80,000/year income for individuals

Other perks

  • 3% to 4% cash back on eligible purchases
  • 5¢ to 7¢ per L in Canadian Tire Money on fuel
  • No-fee, no-interest financing on qualifying purchases of at least $150 
  • Concierge services
  • Extended warranty insurance

Credit Card Roadside Assistance FAQs

Can I get roadside assistance for free in Canada?

You can get complimentary roadside assistance membership through a credit card that offers this feature as a perk.

Which credit card offers roadside assistance and has a low annual fee?

The Triangle World Elite Mastercard offers roadside assistance membership and has a $0 annual fee.

How much do roadside assistance plans cost in general?

Roadside assistance programs vary in price based on the type of coverage provided and the company. For instance, CAA offers memberships that cost anywhere from $75 to $149 per year.

Final Thoughts

It can be scary to get stuck on the side of the road. Fortunately, there are roadside assistance programs available that are designed to come to the rescue, no matter what your needs may be for having car trouble. And while such programs typically cost a few dollars a year, you can get membership for free depending on the credit card you hold in your wallet.


Rating of 5/5 based on 1 vote.

Lisa has been working as a writer for more than a decade, creating unique content that helps to educate Canadian consumers in the realms of real estate, mortgages, investing and financial health. For years, she held her real estate license in Toronto, Ontario before giving it up to pursue writing within this realm and related niches. Lisa is very serious about smart money management and helping others do the same. She's used a variety of financial tools over the years and is currently growing her money with Wealthsimple, while stashing some capital in a liquid high-interest savings account so that she always has a financial cushion to fall back on. She's also been avidly using her Aeroplan TD credit card to collect as many Aeroplan points as possible to put towards her travels!

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