If you’ve ever had a flat tire, you know the value of roadside assistance. While utilizing help from organizations like the Canadian Automobile Association (CAA) is common knowledge, a lesser-known fact is that a select few Canadian credit cards include roadside assistance in their benefits. Not only can this give you peace of mind, but it can also save you hundreds of dollars on emergency car repairs. Here are the best credit cards with roadside assistance in Canada.
When determining a rating for individual credit cards, the Forbes Advisor Canada editorial team factors in an exhaustive list of data points. With roadside assistance, the scoring model used takes into account factors such as, but not limited to, cash back rates and categories, fees, welcome bonuses and other rewards and features. Keep in mind, what may be best for some people might not be right for you. Conduct informed research before deciding which cards will best help you achieve your financial goals.
A free Deluxe TD Auto Club Membership is included with this card, which means you’ll receive 24-hour coverage with emergency road services.
Rewards: Earn 3% cash back on groceries and gas, as well as on recurring bill payments. Dining, entertainment, travel and online purchases all earn just 1% cash back.
Welcome Offer: Earn up to $500 in value†, including 10% in Cash Back Dollars in the first 3 months on Bonus Eligible Purchases up to a total spend of $3,500†. Conditions apply. Account must be approved by June 3, 2024. Not available for residents of Quebec.
Annual Fee: $139 (Get an annual fee rebate available in the first year; account must be approved by June 3, 2024)
Other Benefits and Drawbacks: In addition to earning cash back and having roadside assistance, this card offers a number of insurance plans, including $2 million in emergency travel medical insurance for a maximum of 10 days and rental car insurance covering the value of vehicles up to $65,000 MSRP. However, it does have a $139 annual fee and an income requirement of $60,000 annual personal income or $100,000 annual household income to qualify for this card.
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This card has no annual fee and offers a Roadside Assistance Gold Plan, which includes towing distance of up to 250 km per service call to the destination of your choice (within Canada or the U.S.).
Rewards: Get 4% back in Canadian Tire money on qualifying pretax purchases at Canadian Tire, Sport Chek, Mark’s/L’Équipeur, Atmosphere, Party City, Sports Rousseau, Hockey Experts, L’Entrepôt du Hockey and participating Sports Experts stores. You’ll also get 3% back in Canadian Tire money on groceries up to $12,000 per year (excluding Walmart or Costco). After that, or 0.5% in Canadian Tire Money at gas stations. After that, you earn 1% back in Canadian Tire Money on any further grocery purchases. The base rate for all other purchases is also 1%.
Welcome Offer: None
Annual Fee: $0
Other Benefits and Drawbacks: This card has no annual fee, earns rewards and offers roadside assistance and rental car insurance. That said, there are other cards on this list with more earning potential and it doesn’t include any other types of travel insurance.
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This card earns 3% cash back on gas and a complimentary roadside assistance program.
Rewards: 5% cash back on eligible grocery purchases to a maximum of $500 per statement. Eligible ground transportation purchases get 4% cash back on the first $300 per billing cycle. Gas and electric vehicle charging purchases on the first $300 per billing cycle get 3% cash back. You’ll also get 2% cash back on recurring bill payments, like a subscription or gym membership, on the first $500 each billing cycle. Finally, all other purchases get 1% cash back with no limit.
Welcome Offer: Up to 10% cash back in your first three months on $2,600 in purchases to a limit of $260 in cash back. The $120 annual fee is also waived in the first year. Must apply before May 31, 2024.
Annual Fee: $120
Other Benefits and Drawbacks: This card has everything from 5% cash back on groceries, 3% cash back on gas, travel insurance coverage and more. The only drawback is the annual fee and the cap on rewards per statement period.
Featured Partners
1
TD® Aeroplan® Visa Infinite Privilege* Card
Welcome Bonus
Up to 85,000 Aeroplan points†
Annual Fee
$599
Regular APR (Purchases) / Regular APR (Cash Advances)
20.99% / 22.99%
2
American Express Cobalt® Card
Welcome Bonus
Up to 15,000 Membership Rewards points
Annual Fee
$155.88 ($12.99 per month)
Regular APR
21.99%
3
MBNA True Line® Mastercard®
Welcome Bonus
None
Annual Fee
$0
Regular APR (Purchases) / Regular APR (Cash Advances)
12.99% / 24.99%
Yes. The Triangle World Elite Mastercard, which earns Canadian Tire Money, also comes with a Roadside Assistance Gold Plan. This plan includes towing distance of up to 250 km per service call to the destination of your choice (within Canada or the U.S).
In Canada, the only cards that currently offer roadside assistance at no extra charge are the TD Cash Back Visa Infinite, the Triangle World Elite Mastercard and the BMO CashBack World Elite Mastercard.
The Triangle World Elite Mastercard offers roadside assistance and has no annual fee.
Every Visa does not automatically come with built-in roadside assistance. However, roadside assistance might be a feature depending on which Visa card you carry. For instance, the TD Cash Back Visa Infinite* Card includes a TD Deluxe Auto Club Membership at no extra charge, which gives you free emergency roadside assistance 24 hours a day and seven days a week.
Currently, Amex does not offer roadside assistance as a built-in feature of its cards in Canada.
