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Best Credit Cards for Roadside Assistance In Canada For January 2025

Courtney Reilly-Larke
Editor

Updated: Jan 14, 2025, 9:07am

Aaron Broverman
editor

Fact Checked

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations.

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.

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Best Credit Cards for Roadside Assistance

FEATURED PARTNER OFFER

Best Overall Card for Road Trips

TD Cash Back Visa Infinite* Card

TD Cash Back Visa Infinite* Card
4.6
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to $600 in value†

Annual Fee

$139 (rebated the first year)†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

TD Cash Back Visa Infinite* Card
Apply Now

On TD's Secure Website

Welcome Bonus

Up to $600 in value†

Annual Fee

$139 (rebated the first year)†

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 22.99%

Why We Picked It

The TD Cash Back Visa Infinite  ranks as our top pick for roadside assistance because it includes a TD Deluxe Auto Club Membership at no extra charge. This gives you free emergency roadside assistance 24 hours a day and seven days a week, so you’re covered no matter what vehicle mishap may befall you on the road.

Pros & Cons
  • Good reward rate for gas and groceries
  • Built-in travel medical insurance and rental car collision loss/damage insurance
  • Complimentary roadside assistance
  • Discounts on rental cars
  • High credit score requirements
  • Standard annual fee
Card Details
  • Earn up to $600 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. Offer effective as of January 7, 2025.
  • Bonus Eligible Purchases are Gas Purchases, Grocery Purchases & Pre-authorized payments, until a total collective spend of $3,500 of such purchases have been made†.
  • 24/7 Emergency Roadside Assistance with Deluxe TD Auto Club membership, included at no additional cost.
  • Get an annual fee rebate for the first year†.
  • To receive the first-year annual fee rebate for the Primary Cardholder, you must activate your Card and make your first Purchase on the Account within the first 3 months after Account opening. To receive the first Additional Cardholder first-year annual fee rebate, you must add your first Additional Cardholder while the offer is in effect.
  • Starbucks Bonus Offer for New Linked Members†: Link your TD Cashback Visa Infinite to earn 600 Starbucks Stars and redeem them for free Starbucks treats. Limited time only. Conditions and restrictions apply.
  • This offer is not available to residents of Quebec.
  • † Terms and conditions apply.
FEATURED PARTNER OFFER

Best Roadside Assistance For No Annual Fee

Triangle World Elite Mastercard

Triangle World Elite Mastercard
4.5
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

$0

Annual Fee

$0

Regular APR

19.99%

Triangle World Elite Mastercard

Welcome Bonus

$0

Annual Fee

$0

Regular APR

19.99%

Why We Picked It

This card has no annual fee, yet it earns Canadian Tire Money on your spending and offers a Gold Roadside Assistance plan with up to 250 km towing distance in Canada or the U.S, as well as emergency fuel delivery, battery boosts, accident assistance, flat tire changing and lock-out service.

Pros & Cons
  • High cash back rewards at Canadian Tire
  • No annual fee
  • Built-in car rental insurance
  • Complimentary roadside assistance
  • Only grants cash-back rewards from specific store chains
  • Only gives digital Canadian Tire Money as cash-back rewards
Card Details
  • Gives 4% back in Canadian Tire Money on qualifying pre-tax 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
  • Gives 3% Canadian Tire money on groceries up to $12,000 per year (does not include Walmart or Costco)
  • Gives 0.5% per litre in Canadian Tire money at gas stations and on all other purchases
  • Forbes Advisor estimates $327.64 in annual rewards value based on average Canadian spending
  • Requires a minimum annual income of $80,000, or $150,000 in household income
  • Car rental collision/loss damage waiver insurance
  • Extended warranty protection and return protection
  • Roadside assistance with up to 250 km towing distance in Canada or the U.S.
FEATURED PARTNER OFFER

Best For Cash Back

BMO CashBack® World Elite®* Mastercard®*

BMO CashBack® World Elite®* Mastercard®*
4.4
Our ratings take into account a product's rewards, fees, rates and other category-specific attributes. All ratings are determined solely by our editorial team.

Welcome Bonus

Up to 10% cash back*

Annual Fee

$120 (waived in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 23.99%

BMO CashBack® World Elite®* Mastercard®*
Apply Now

On BMO's Website

Welcome Bonus

Up to 10% cash back*

Annual Fee

$120 (waived in the first year)

Regular APR (Purchases) / Regular APR (Cash Advances)

20.99% / 23.99%

Why We Picked It

This card earns big on gas, provides complimentary roadside assistance from the Dominion Automobile Assistance and has built-in travel insurance. That said, this card would’ve ranked higher if it’s 3% cash back on gas and electric vehicle charging wasn’t just on the first $500 in purchases per billing cycle. Even still, it offers solid earnings on other spending categories, including the highest cash-back rate in Canada on groceries (5% on the first $500 in purchases) so it’s a good trip to have in your wallet.

Learn more: Read our BMO CashBack World Elite Mastercard Review

Pros & Cons
  • The $120 annual fee is waived in the first year
  • 5% cash back on groceries (the highest earn rate in Canada for that category)
  • High cash back earn rates across several purchase categories
  • Travel insurance
  • Rare perk of roadside assistance
  • High $120 annual fee
  • $500 per billing cycle limit on its 5% cash-back rate on groceries
  • High income requirements of $80,000 personal or $150,000 household
Card Details
  • Welcome offer: Get up to 10% cash back in your first 3 months and the $120 annual fee waived in the first anniversary*
  • Earn more cash back on the categories that mean the most:
    – 5% on groceries*
    – 4% on transit including ride sharing, taxis and public transportation*
    – 3% on gas and electric vehicle charging*
    – 2% on recurring bill payments like your monthly phone bill or favourite streaming service*
    – 1% unlimited cashback on all other purchases*
  • Get the highest cash back earn rate on groceries in Canada.*
  • Get valuable benefits and offers for digital everyday services from a variety of on-demand apps and subscription services
  • Extended Warranty Plus*
  • Purchase Protection Plus*
  • Complimentary membership in Mastercard Airport Experiences provided by LoungeKey*
  • Access over 1 million Wi-Fi hotspots around the world – all at no added cost, and no added fees or roaming charges*
  • Complimentary Roadside Assistance Program*
  • BMO CashBack World Elite Travel and Medical Protection*
  • Unlock Mastercard Travel Rewards cashback offers when you travel and shop outside of Canada
  • 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
  • *Terms and conditions apply

Here’s a Summary of Credit Cards for Roadside Assistance in Canada for January 2025


CREDIT CARD FORBES ADVISOR RATING BEST FOR CREDIT SCORE ANNUAL FEE WELCOME BONUS LEARN MORE
TD Cash Back Visa Infinite* Card
Cash back Good/Excellent $139 (rebated the first year)† Up to $600 in value† (terms apply) Learn More On TD’s Secure Website
Triangle World Elite Mastercard
No annual fee Very Good/Excellent $0 None View More
BMO CashBack® World Elite®* Mastercard®*
Cash back Good/Excellent $120 (waived in the first year) Up to 10% cash back* Learn More On BMO’s Website

Methodology

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.

Best Credit Cards with Roadside Assistance in Canada

TD Cash Back Visa Infinite* Card

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 $600 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. Offer effective as of January 7, 2025. Not available for residents of Quebec.

Annual Fee: $139 (Get a first-year annual fee rebate. Terms and conditions apply.)†

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.

———————————————————————————-

Triangle World Elite Mastercard

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.

———————————————————————————-

BMO CashBack® World Elite®* Mastercard®*

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: Earn up to 10% cash back for the first three months on qualified purchases (up to $2,600).

Annual Fee: $120 (waived in the first year)

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.

Frequently Asked Questions (FAQs)

Does Canadian Tire Mastercard come with roadside assistance?

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).

Which credit cards offer roadside assistance in Canada?

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.

Which no fee credit card has roadside assistance in Canada?

The Triangle World Elite Mastercard offers roadside assistance and has no annual fee.

Does Visa have roadside assistance?

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.

Does Amex offer roadside assistance?

Currently, Amex does not offer roadside assistance as a built-in feature of its cards in Canada.

Find The Best Credit Card
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Courtney Reilly-Larke Editor

Courtney Reilly-Larke is the deputy editor of Forbes Advisor Canada. Previously, she was the associate editor of personal finance at MoneySense. She was also managing editor of Best Health Magazine and has contributed to publications such as Cottage Life and Blog TO. She currently lives in Toronto.