Capital One roadside assistance benefits: What to know

Getting the most from your credit card is about more than just 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 to help if you need a tow, help with a spare tire, fuel delivery and more.

Even if you don’t need extra help on the road, the benefit might at least offer some peace of mind.

What you’ll learn:

• Roadside assistance is available through eligible Capital One credit cards, thanks to network benefits from Visa® and Mastercard®.

• Roadside assistance benefits aren’t complimentary, but negotiated prices 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.

While Capital One doesn’t offer roadside assistance benefits directly, many Capital One cardholders have access to emergency roadside assistance programs through their network benefits with Visa and Mastercard.

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

• Venture card

• Savor card

• Quicksilver card

If your card comes with the roadside assistance benefit, it’s yours to use whenever you need it. There’s no pre-enrollment necessary.

Not sure what network benefits come with your account? Just take a look at your card. Once you know the type of card you have, refer to its benefits guide to learn the details of your card network’s roadside assistance benefits.

Pricing for roadside assistance depends on your card. You might only have to pay a flat fee for each roadside service you need. But there can be additional fees in some situations, like if your car needs to be towed more than five miles or if you need a winch to get out of a ditch.

Prices for roadside services could change without notice, so it’s helpful to confirm pricing when you request service. Specialty services will be 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.

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

If you need roadside assistance services, the phone number you’ll need to call may depend on which card you have. So it’s best to check your card’s benefits guide to find the roadside assistance phone number. 

If you’re still not sure which number to call, you can always call Capital One—just use the number on the back of your card.

When you call for roadside assistance, the operator should ask you where you are and what the problem is. Then they should dispatch the appropriate local service provider.

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

• Towing and winching

• Dead battery jumpstarts

• Fuel delivery

• Flat tire changes 

• Lockout service 

With the roadside assistance benefit, you may not have to search for local services when you’re in a tight spot.

What’s not included in your roadside assistance benefits can vary, depending on your credit card. But Visa and Mastercard roadside assistance 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

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. 

But rental car insurance is available through some Capital One credit cards. This benefit can save you the added cost of buying insurance through the rental company. If your card has a rental car insurance benefit, you might be covered for things like theft and physical damage to the vehicle.

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 lots of great Capital One credit card benefits. Explore them all to see whether you’re taking advantage of everything your Capital One credit card offers. 

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.

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.