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Top credit cards for roadside assistance & gas in Canada

We Canadians love our cars. Maybe it’s because we live in a sparsely populated country and many of us require a car to achieve the freedom of mobility. Maybe it’s because the distances we travel in our cars are so long they are often measured in hours, not kilometres.

Whatever the reason, we love our cars so much Canadians own an estimated twenty-five million vehicles, representing one of the highest car ownership rates in the world. Those twenty-five million cars will each cost their owners a total average of between $8,600 and $13,000 per year – almost as much as the national average yearly rent for a two-bedroom apartment.

If you’re a car owner, it makes sense to consider credit cards that have benefits for drivers.

There are two main types of credit cards drivers likely care about:

Today we’re going to look at the best credit cards in Canada for both categories so that you can minimize your car’s impact on your bottom line. We’ll start with roadside assistance.

What is roadside assistance?

Roadside assistance exists to assist you if you find yourself suddenly stranded with your car, often due to some form of mechanical issue. The coverage typically includes twenty-four/seven assistance for flat tire replacement, emergency fuel deliveries, car battery boosts, towing and winching services in case your car broke down or is stuck in a ditch, and emergency lockout services. The company most synonymous with roadside assistance in Canada is the CAA, and in order to receive coverage, you’ll usually have to pay an annual membership fee that can add up to between $73 to $147. But there are ways to obtain the benefits of roadside assistance coverage without paying, like using a credit card that offers roadside assistance as a complimentary perk.

Best credit cards with free Roadside Assistance

 

TD Cashback Visa Infinite

 

Roadside assistance features:

  • Coverage: 24/7 access across Canada and the U.S.
  • Service calls per year: Unlimited
  • Towing distance: up to 200 km radius (to the nearest garage, gas station, or repair facility)
  • Emergency gas replacement: up to $5 worth of emergency fuel
  • Other services: emergency flat tire changes, winching/extraction, battery boost, and lost key lockout assistance
  • Noteworthy features: Unlimited service calls per year; between $25 – $200 in reimbursements for transport, food, and accommodations in the event you’re stranded due to a roadside emergency; and trip planning services

Card details

  • Annual fee: $120
  • Earn 6% Cash Back on all Purchases for the first 3 months up to a total spend of $2,000. Plus, first year no Annual Fee for the Primary and Additional Cardholders. Conditions apply. Must apply by December 5, 2021
  • Get 3% cash back on gas, groceries and recurring bills
  • Earn 1% cash back on all other purchases
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • Terms and conditions apply.

Read in more detail (+/-)


BMO Cashback World Elite Mastercard

  • Coverage: 24/7 access across Canada and mainland U.S.
  • Service calls per year: 4
  • Towing distance: up to 10 km radius (to the nearest garage, gas station, or repair facility)
  • Battery boost, flat tire change, fuel delivery, lockout assistance, extrication and winching
  • Noteworthy features: Additional authorized users are covered for free

This coverage is worth $69 annually if you paid for your membership outright. Now let’s look at each of the individual BMO credit cards that offer this perk:

BMO Cashback World Elite Mastercard

Card details

  • $120 annual fee (waived for 1st year)
  • Welcome Offer: 10% cash back on all purchases (up to $200) for first 3 months
  • 1.5% cash back thereafter
  • Annual income requirement: $80,000 (personal) or $150,000 (household)

Read in more detail (+/-)


Best gas credit cards in Canada

If you drive a lot and are looking to save on the cost of owning a car, you may be more interested in maximizing your rewards for gas purchases more than receiving complimentary roadside assistance coverage. With that in mind, these are the best credit cards for gas that you should consider adding to your financial arsenal:


Best no fee cash back card for gas

Tangerine Money-Back Card

Card details

  • No annual fee
  • Earn 2% cash back on purchases in up to three spending categories of your choice (options include gas, groceries, dining, bills, and more)
  • 0.5% cash back on all other purchases
  • No limit on how much cash back you can earn
  • Annual income required: $15,000
  • Roadside assistance: None

Read in more detail (+/-)


Best no fee points credit cards for gas

MBNA Rewards Platinum Plus

Card details

  • No annual fee
  • Earn 4 points†† for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases during the first 90 days  , and 2 points‡ for every $1 spent on eligible purchases in those categories thereafter – in both cases, these earn rates apply until $10,000 is spent annually in the applicable category. 1 point‡ for every $1 spent on all other eligible purchases
  • Welcome offer: Get up to 10,000 bonus points
  • Annual income required: No specific amount
  • Roadside assistance: None
  • This offer is not available for residents of Quebec. For residents of Quebec, please click here.

Read in more detail (+/-)


PC Financial Mastercard

Card details

  • No annual fee
  • 30 PC Optimum points per $1 spent at Esso gas station
  • 25 points per $1 spent at Shoppers Drug Mart
  • 10 points per $1 spent on all other purchases
  • Annual income required: No specific amount
  • Roadside assistance: None

Read in more detail (+/-)


Best cash back credit cards for gas

CIBC Dividend® Visa Infinite* Card

Card details

  • Annual fee: $99 (rebated for the first year)
  • 4% cash back on gas and groceries
  • 2% on Telus and Tim Hortons purchases
  • 1% on everything else
  • Annual income required: $60,000 (personal) or $100,000 (household)
  • Roadside assistance: None

Read in more detail (+/-)


TD CashBack Visa Infinite

Card details

  • Annual fee: $120
  • Once offer ends, get 3% cash back on gas, groceries and recurring bills
  • Earn 1% cash back on all other purchases
  • Annual income required: $60,000 (personal) or $100,000 (household)
  • Roadside assistance: Yes
  • This offer is not available for residents of Quebec. For Quebec residents, please click here.
  • Terms and conditions apply.

Read in more detail (+/-)


Meridian Visa Infinite Cash Back Card

  • Annual fee: $99
  • 4% cash back on gas and groceries
  • 2% on recurring bills and at pharmacies
  • 1% on everything else
  • Annual income required: $60,000 (personal) or $100,000 (household)
  • Roadside assistance: None

Read in more detail (+/-)

 

Best overall points credit card for gas

Scotiabank Gold American Express

Card details

  • Annual fee: $120
  • Welcome offer: earn 50,000 points when you sign up by November 21, 2021
  • Earn 3 points per dollar spent on gas, public transit, ride share services, taxis, and streaming services
  • Earn 5 Scotia Rewards points per dollar spent on groceries, restaurants, cafes, and entertainment
  • Earn 1 point per dollar spent on everything else
  • No foreign transaction fees
  • Annual income required: $12,000
  • Roadside assistance: None

Read in more detail (+/-)

Read in more detail (+/-)


The final word

For roadside assistance, the TD Cashback Visa Infinite offers high-level roadside assistance while maintaining a strong cash back rewards scheme. If roadside assistance isn’t important to you, you’ll maximize your fuel spending rewards by choosing the Scotia Momentum Visa Infinite Card.

*This blog is for educational purposes and isn’t legal insurance advice. Check credit card roadside assistance policies for details.

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