No-Annual-Fee Cards with Roadside Assistance
$0 annual fee cards that still offer roadside assistance.
Rankings are generated by our algorithm based on earn rates, point valuations, fees, and benefits — not paid placement. We don't accept compensation to rank cards higher. How we rank
Ranked by earn rate and redemption value, statement credits minus annual fees (weighted against a typical $30,000/year in total card spend), shopping portal bonuses when we recognize the merchant, matched benefits and promotional earn boosts. The ¢ per dollar column is the reward rate at this category. Order can differ from that column because ranking adds the adjustments above.
Top Pick
Fidelity Rewards Visa Signature Card
Elan Financial
2% cash back
- +Roadside Dispatch Assistance
- +No annual fee
VISA
2.0¢
per dollar
No annual fee(est. $25/yr in usable credits)
Runner-Up
Wells Fargo Active Cash Card
Wells Fargo
2% cash back
Up to 3.2¢/$ via Choice Privileges
- +Roadside Dispatch
- +$100 cash back bonus (~$100 value)
- +Up to 1.6¢/pt via Choice Privileges
VISA
2.0¢
per dollar
No annual fee
Welcome: $100 cash back
Also Great
T-Mobile Visa®
Capital One
2% cash back
- +Roadside Dispatch Assistance
- +$50 store credit bonus (~$50 value)
- +No annual fee
VISA
2.0¢
per dollar
No annual fee
Welcome: $50 store credit
Compare the Top Picks
Quick Comparison
Side-by-side view of the ranked picks.
| Card | Rate | Effective Value | Annual Fee | Est. Fee Offset | Network |
|---|---|---|---|---|---|
| Fidelity Rewards Visa Signature CardElan Financial | 2% cash back | 2.0¢/$ | $0 | $25 | visa |
| Wells Fargo Active Cash CardWells Fargo | 2% cash back | 2.0¢/$ | $0 | — | visa |
| T-Mobile Visa®Capital One | 2% cash back | 2.0¢/$ | $0 | — | visa |
| U.S. Bank Altitude Connect Visa Signature CardU.S. Bank | 1x U.S. Bank Altitude Rewards | 1.0¢/$ | $0 | $12.50 | visa |
| Chase Freedom Rise® Credit CardChase | 1.5% cash back | 1.5¢/$ | $0 | $20 | visa |
| Navy Federal More Rewards American Express®Navy Federal | 1x points | 1.0¢/$ | $0 | — | amex |
| Wells Fargo Autograph Visa Credit CardWells Fargo | 1x Wells Fargo Rewards | 1.4¢/$ | $0 | — | visa |
| Marriott Bonvoy Bold Credit CardChase | 1x Marriott Bonvoy | 0.7¢/$ | $0 | — | visa |
| The Key Rewards VisaCapital One | 1% in Williams Sonoma family of brands reward certificate value | 1.0¢/$ | $0 | — | visa |
| Kohl's Rewards® VisaCapital One | 1% cash back | 1.0¢/$ | $0 | — | visa |
More Options
#4U.S. Bank Altitude Connect Visa Signature CardNo fee
1.0¢/$
#5Chase Freedom Rise® Credit CardNo fee
1.5¢/$
#6Navy Federal More Rewards American Express®No fee
1.0¢/$
#7Wells Fargo Autograph Visa Credit CardNo fee
1.4¢/$
#8Marriott Bonvoy Bold Credit CardNo fee
0.7¢/$
#9The Key Rewards VisaNo fee
1.0¢/$
#10Kohl's Rewards® VisaNo fee
1.0¢/$
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Open in full search with filters →Guides for this category
- Points & MilesPoints vs. cash back: 3 numbers that decide which card earns moreCash back is worth its face value; points are worth what you redeem them for. Compare earn rate, point value, and annual fee to see which pays you more.
- GuidesA monthly credit card statement audit for fees, subscriptions, and errorsA monthly statement check: reconcile the balance, scan for errors and unwanted subscriptions, review fees and interest, and use the billing-error process in time.
- Card StrategyChase Sapphire Preferred renewal value without the welcome bonusIs Sapphire Preferred worth $95 again without the welcome bonus? A renewal worksheet: the hotel credit on a real booking, transfers you will use, and the alternative.
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