Capital One roadside assistance benefits: What to know

Getting the most from your credit card goes beyond earning rewards. If you’re a Capital One cardholder and you run into car trouble, help could be a call away. That’s because some Capital One credit cards come with roadside assistance benefits, including services like towing, spare tire changes, fuel delivery and more.

Even if you don’t need to use roadside assistance coverage, this benefit might at least offer some peace of mind.

What you’ll learn:

• Roadside assistance is available through eligible Capital One credit cards. You can check your benefits guide to learn what comes with your card.

• To use your Capital One roadside assistance benefit, call the roadside assistance line, provide the operator with the requested information, wait for dispatch and pay the pre-negotiated rate. 

• Roadside assistance benefits aren’t complimentary, but flat-rate, pre-negotiated prices within a specific service area might be lower than what you can find on your own.

• Using roadside assistance benefits can also save you the hassle of having to find and vet local service providers if you’re in a new place.

Roadside assistance benefits may come with some Capital One credit cards, such as the following:

• Venture

• Savor

• Quicksilver

If your card comes with the roadside assistance benefit, it’s yours to use whenever you need it—24 hours a day, seven days a week. There’s no pre-enrollment necessary. This can be especially helpful if you’re out of town, as you may not have to search for local services.

To understand which network benefits come with your account, take a look at your card to determine the type of card you have. From there, you can refer to its benefits guide to learn the details of your card network’s roadside assistance benefits, including important terms, conditions and exclusions.

Using your Capital One credit card’s roadside assistance benefit is as easy as making a phone call. Here’s how:

1. Call the roadside assistance line: Check your card’s benefits guide to find the roadside assistance phone number, which may vary based on the card you have. You can always call Capital One, too—just use the number on the back of your card.

2. Provide information: Once you’re connected, the operator should ask you where you are and what the problem is.

3. Wait for dispatch: The operator should then dispatch the appropriate local service provider, such as a tow operator or locksmith. 

4. Pay for services: You usually pay a pre-negotiated, flat-rate service fee per call.

Pricing for roadside assistance depends on your card. You might only have to pay a flat fee for each roadside service you need.

Prices for roadside services could change without notice, so it’s recommended that you confirm pricing when you request service. Specialty services are generally priced by the service provider, outside of other arrangements.

Typically, roadside assistance fees can be billed directly to your Capital One card to make the entire process easier. When you have a roadside emergency, the last thing you need is another bill to track.

Services covered by roadside assistance vary. But here’s what’s typically included with the roadside assistance network benefit: 

• Towing and winching
• Dead-battery jump starts
• Fuel delivery
• Flat tire changes
• Lockout service

What’s not included in your roadside assistance benefits can vary, depending on your credit card. But benefits may not offer help for things like:

• Emergency services in off-road areas that aren’t accessible to ordinary towing vehicles

• Emergency services for large vehicles like trailers, campers, vehicles in tow or vehicles weighing over 10,000 pounds

Some Capital One cards may offer rental car insurance to cover damage to rental cars caused by theft or collision. This benefit can save you the added cost of buying insurance through the rental company. 

But if you need roadside assistance with a rental car, it’s probably a good idea to call the rental car agency first. It might have special procedures that you need to follow for emergency roadside services. 

To find out whether your Capital One card comes with roadside assistance benefits or rental car insurance, you can check out your card’s benefits guide. Capital One customers with a Mastercard® can explore benefits online.

If you have a Capital One credit card, you have access to a variety of Capital One credit card benefits. This could include roadside assistance with certain Capital One cards. This benefit could potentially save you time and money when you’re in a pinch, and provide added peace of mind while you’re traveling.

Not a Capital One cardholder but want to learn more? Compare rewards cards and see whether you’re pre-approved, with no impact on your credit scores.

Who wouldn’t want to get the most out of their credit card? Here are some things to know about Capital One travel rewards credit cards:

• Elevate your next adventure with the Venture X card, which offers premium travel benefits and more.

• Earn unlimited 2X miles per dollar on every purchase, every day, and get 75,000 bonus miles upon sign-up with the Venture card. View important rates and disclosures.

• Earn unlimited 1.25X miles with no annual fee with the Capital One VentureOne card. View important rates and disclosures.

• Learn how Venture X cardholders can get access to 1,300+ lounges worldwide, including Capital One Lounges and participating Priority Pass™ lounges, after enrollment.