Dealing with an emergency, like a flat tire or a dead battery, when you’re on the road can be distressing and expensive to resolve. Even if you don’t have a AAA membership, you may have access to a roadside assistance program if you have a credit card that offers this perk.

Here’s what you need to know about credit cards with roadside assistance.

What is roadside assistance?

Roadside assistance (also known as roadside dispatch) is a service that helps individuals with a roadside emergency such as a dead battery, flat tire, running out of gas, mechanical failure and more. This service is available through motor clubs, like AAA, certain credit cards (i.e. Chase Sapphire Reserve®) or travel insurance policies, such as from Allianz, and can be used for your own vehicle or on a car rental.

Generally, roadside assistance services available through membership clubs like AAA, are comprehensive than those provided for free on your credit card.

The best credit card with roadside assistance

Credit cards offer differing forms of roadside assistance, ranging from a complimentary benefit to a pay-per-use service. Some travel credit cards with high annual fees include roadside assistance as a complimentary benefit that can be used several times a year. Low-fee or no-fee credit cards may offer roadside dispatch as a service that you pay for each time you need to use it.

Chase Sapphire Reserve®

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Here are the card's roadside assistance benefits:

Jump-starting the car with a battery boost when the car won’t start.

Tire changing in case you get a flat tire (must have an inflated spare).

Fuel delivery up to two gallons.

24-hour towing assistance from Chase’s network of over 25,000 service providers across the U.S. and Canada.

24-hour lockout assistance, so if you get locked out of a car, a qualified locksmith will be dispatched to unlock the vehicle. The key replacement cost is not included.

Each incident is covered up to $50 and the benefit can be used four times per year while traveling in the U.S. and Canada. The perk applies to cardholders driving a car or truck (subject to weight limit) but commercial vehicles are excluded. Assistance is available 24/7/365 by calling the Cross Country Motor Club hotline at 866-860-797.

The Chase Sapphire Reserve®, which has an annual fee of $550 has the following welcome offer: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®. In addition to free roadside assistance, these premium Visa cards have a number of other benefits, making them excellent companions for those who use their services.

How Chase cards work with roadside dispatch

Cardholders of Chase’s low-fee and no-fee Visa credit cards receive these services for an additional fee while traveling in the U.S. and Canada:

Towing up to five miles.

Flat tire changes as long as the cardholder has a good, inflated spare tire.

Jump-start to boost the car battery.

Lockout service but a key replacement isn't included.

Fuel delivery of up to five gallons (cost of fuel not included).

Winching within 100 feet of paved or county-maintained roads.

Although these benefits aren’t as exhaustive as those provided on the Chase Sapphire Reserve®, they can still come in handy if you’re stranded on the side of the road. You will receive coverage on any vehicle as long as its 10,000 pounds or less. Assistance is available 24/7/365 and can be reached by calling 800-847-2869.

Cards providing roadside dispatch:

Chase Sapphire Preferred® Card (annual fee: $95): Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Chase Slate® (annual fee: $0): Save with a $0 introductory balance transfer fee and get 0% introductory APR for 15 months on purchases and balance transfers, and $0 annual fee. Plus, free credit score, updated weekly with Credit Journey℠.

Chase Freedom Unlimited® (annual fee: $0): Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.

Chase Freedom® (annual fee: $0): Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.

Chase Freedom® Student (annual fee: $0): Earn 5,000 points after making your first purchase within the first three months. That's redeemable for $50 cash back.

Starbucks® Rewards Visa® Card (annual fee: $0 intro for the first year, then $49): N/A

Prime Visa (annual fee: $0): Get a $100 Amazon Gift Card (or more) instantly upon approval exclusively for Prime members.