3 Best Credit Cards For Free Roadside Assistance in Canada 2024

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Written by SnappyRates Team

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If your vehicle breaks down while on the road and you’re nowhere near a mechanic or gas station, you’re likely going to be in trouble. That’s where roadside assistance comes in – it can help cover the costs of emergency assistance. 

If you don’t have a roadside assistance plan and are considering getting one, consider applying for one of these credit cards with roadside assistance already included. 

In this guide, we cover 3 of the best credit cards with roadside assistance in Canada. 

How Credit Card Roadside Assistance Works

Roadside assistance with a credit card gives you free access to emergency roadside assistance services. All you need to do is call the roadside assistance provider to get help and mention that you’re a cardholder so they can look up your account. 

Be sure to check if your credit card has this benefit, as not too many in Canada do. Some credit cards will have different tiers of assistance available, and coverage may not be available in all countries.

With roadside assistance included in your credit card, you do not have to pay the monthly or yearly fees you would normally pay. 

Most credit card roadside assistance covers the following services:

  • A battery jump start
  • A flat tire change 
  • Fuel delivery 
  • Lockout service
  • Towing service 
  • Extraction and winching

Top Credit Cards With Roadside Assistance in Canada 

These are 3 of the best credit cards with roadside assistance in Canada. Consider applying for them if roadside assistance is a valuable perk for you. 

TD CashBack Visa Infinite Card

With the TD CashBack Visa Infinite Card, you get 3 automotive benefits:

Deluxe TD Auto Club Membership – this membership is included for free. You’re covered 24/7 with emergency road services if something goes wrong when you’re on the road. 

Auto Rental Collision/Loss Damage Insurance – when you charge the full cost of your rental car to your TD card, get this coverage for free. 

Avis Rent A Car and Budget Rent A Car Discounts – get a minimum of 10% off the lowest available base rates in Canada and the US, or a minimum of 5% off the lowest base rates internationally, on qualifying Avis and Budget car rentals. 

The TD CashBack Visa Infinite Card has a $120 annual fee, with a 20.99% purchase interest rate and a 22.99% cash advance interest rate. 

An additional card can be purchased for $50 per year; after that, all subsequent additional cardholders get it for free. 

To be eligible to apply, you must make a minimum of $60,000 per year or have a $100,000 household annual income. The credit limit is $5,000 minimum. 

On every purchase, you get 1% cash back. On grocery and gas purchases and recurring bill payments, you get 3% cash back. 

Other benefits include: 

  • Visa Infinite Concierge
  • Visa Infinite Luxury Hotel Collection
  • Visa Infinite Food and Wine Experiences 
  • Travel Medical Insurance
  • Delayed and Lost Baggage Insurance 
  • Emergency Travel Assistance Benefits 

Triangle World Elite Mastercard

The Triangle World Elite Mastercard includes the Triangle World Elite Mastercard Roadside Assistance Gold Plan. 

You can choose between two plan types:

  • Vehicle Plan: service to 1 registered vehicle
  • Member Plans: service to you, regardless of the vehicle 

24/7 roadside services include: 

  • Towing
  • Fuel delivery
  • Battery boost
  • Flat tire change
  • Lockout service 
  • Extrication/winch 

You get 12 service calls per year plus unlimited tows to any Canadian Tire Auto Service Centre near you. Towing limits include 250km per call to the destination of your choice. 

The Triangle World Elite Mastercard has no annual fee, with a 19.99% purchase interest rate and 22.99% balance transfer and cash advance interest rate. 

With this card, you earn 4% Canadian Tire Money at participating retailers 3% at grocery stores, and 5 to 7 cents per litre at Gas+.

Other benefits include:

  • Personalized offers
  • No-receipt returns at participating stores
  • Extended warranty insurance 
  • Personalized 24/7 concierge services
  • No fee, no interest financing on qualifying purchases of $150 or more

Here’s a review of the Triangle Mastercard.

BMO CashBack World Elite Mastercard

With BMO’s top CashBack World Elite Mastercard, you receive a free Dominion Automobile Association (DAA) membership and benefits of the BMO Roadside Assistance Program (basic coverage). 

When you apply for the credit card, the full plan features and membership terms will be described in the Certificate you receive. 

The BMO CashBack World Elite Mastercard has a $120 annual fee with a 20.99% interest rate on purchases and 23.99% on cash advances. 

To qualify, you must have a minimum $80,000 annual income or $150,000 household annual income. 

You earn unlimited cash back in the following structure:

  • 5% on groceries
  • 4% on transit
  • 3% on gas
  • 2% on recurring bills
  • 1% on everything else 

Other perks of this cash back credit card include:

  • 8-day out-of-province/out-of-country emergency medical benefits with coverage of up to $2 million
  • Redeem cash back with as little as $1, whenever you want 
  • Access to Boingo Wi-Fi for Mastercard
  • Mastercard Travel Pass by DragonPass 
  • Save up to 25% on car rentals at participating Alamo Rent a Car and National Car Rental locations 
  • 24/7 access to a personal concierge 
  • Extended warranty and purchase protection 

Roadside Assistance Credit Cards Compared

TD CashBack Visa Infinite CardTriangle World Elite MastercardBMO CashBack World Elite Mastercard
Annual Fee$120$0$120
Purchase Interest Rate20.99%19.99%20.99%
Funds Advance Interest Rate22.99%22.99%23.99%
Roadside Assistance BenefitsDeluxe TD Auto Club Membership, Auto Rental Collision/Loss Damage Insurance, Avis Rent A Car and Budget Rent A Car DiscountsTriangle World Elite Mastercard Roadside Assistance Gold PlanDominion Automobile Association (DAA) membership, basic BMO Roadside Assistance Program


Does Costco have roadside assistance in Canada?

Yes, Costco offers roadside assistance. You need to purchase a Costco Roadside Assistance plan, and you will be covered for services like jump-start, tire, and towing. 

Does my MasterCard have roadside assistance?

The only two Mastercards in Canada that have roadside assistance are the Triangle World Elite Mastercard and the BMO CashBack World Elite Mastercard. 

Does Amex offer roadside assistance?

No, Amex does not have roadside assistance anymore. 

What happened to Amex roadside assistance?

As of January 1, 2020, American Express dropped its roadside assistance and travel accident insurance from all of its credit cards. However, they have replaced it with other benefits. 


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SnappyRates Team

The SnappyRates Team comprises personal finance writers who have reviewed and personally tested hundreds of financial products in the Canadian space. With over 20 years of combined experience to draw from and expertise in all things credit cards, banking, insurance, and mortgages, our goal is to provide you with the most comprehensive guides and resources to help you on your financial journey.

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