Cat Card

 

 

For Flexible Payments. And More Control Over Cash Flow.

 

Keep projects moving and preserve working capital with the Cat® Card — the smart way to pay for parts, service, work tools, rentals, rebuilds and more. With competitive rates, no annual fee and payment options that fit your schedule, the Cat Card gives you the flexibility your business needs.

Use it to:

  • Pay now or spread out costs with low monthly payments
  • Simplify budgeting with predictable expenses
  • Earn Cat Vantage Points on qualifying purchases1
  • Unlock exclusive financing offers and promotions
  • Seamlessly shop parts and work tools on parts.cat.com and with the Cat Central app.

Whether you’re buying parts or planning a rebuild, the Cat Card helps you stay ready for what’s next — without putting a strain on your bottom line.

 

 

Apply with Confidence

Getting started with the Cat Card is simple — and backed by a team that understands your business. Whether you're looking to better manage day-to-day expenses or unlock added flexibility during busy seasons, you can feel confident knowing you're supported by a trusted name you know. Apply online and take the first step toward smarter, more strategic purchasing power.

Apply For The Cat Card
Apply with Confidence

 

 

BUY WHAT YOU NEED NOW, PAY OVER TIME

UNLOCK SPECIAL OFFERS ON PARTS AND MORE

EARN REWARDS ON EVERY QUALIFYING PURCHASE1


0% Financing For 6, 12 Or 24 Months On Cat Parts & Services2

 

Shop with your Cat Card and save on qualifying new or Cat Reman parts, with or without service.

View Cat parts & services offer terms and conditions

 

 

 

For Reytec, It's A Simple Tool That Helps Manage Cash Flow

 

Reytec Construction started from the ground up in 1996. Today, the Houston-based company is 375 employees strong and the proud owner of millions of dollars in Cat equipment. The secret to Reytec's success? Founder and president Gregg Reyes says Cat Financial's support — competitive rates, great service and convenient solutions like the Cat Card — has been just as important as the equipment itself.

 

 

 

 

Goodbye, Messy Paperwork. Hello, 24/7 Secure Access.

Log in to MyCatFinancial anytime, anywhere, to view balances, due dates, payment history and more.

Register Now
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Discover Cat Card Tips & Tools

 

 

 

 

PDF Print Application

Sole proprietors, Partnerships, Limited Liability Companies (LLC), and Corporations are encouraged to apply online. For other business types, use the print version of the application to make sure you have all the information you may need. Just download the PDF and follow the instructions on the form:

Sole proprietors, Partnerships, Limited Liability Companies (LLC), and Corporations are encouraged to apply online. For other business types, use the print version of the application to make sure you have all the information you may need. Just download the PDF and follow the instructions on the form:

United States (PDF) | Dealer Addendum (PDF)
California (PDF) | California Dealer Addendum (PDF)
New York (PDF) | New York Dealer Addendum (PDF)
Canada (PDF)

 

 

1Rewards terms and conditions

See cat.com/getrewarded for eligibility, details, and terms and conditions.

   

2Cat parts & services offer terms and conditions

Now through end of 2025:

Shop the Cat Card online: Get 0% for 6 months and don’t pay anything until end of term; 0% for 12 or 24 months; or 0% for 24 months with 3-month upfront skip payments on parts.cat.com purchases.

Shop with the Cat Card in store: Get 0% for 3 or 6 months and don’t pay anything until end of term; 0% for 6 or 12 months; 0% for 24 months or 0% for 24 months with 3-month upfront skip payments ($5,000 minimum); 1.9% for 18 months; 3.9% for 24 months or 4.9% for 36 months on qualifying new or reman Cat parts, with or without service.

Offers valid through December 31, 2025. Offer limited to purchases of select Cat parts and services. No minimum purchase amount required unless otherwise stated. Rental transactions do not count toward minimum. Offers do not apply to purchases subject to invoice billing (see your Cat Card agreement for invoice billing terms). Contact your Cat dealer or Cat Financial for more information on qualifying parts purchases. Invoice must be 50% parts. Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify.

Balance under offers to be paid (1) in full at the end of the respective term, or (2) by equal monthly payments for the duration of the term, or (3) by a 3-month skip payment followed by equal monthly payments for the remainder of the term. Balance under all offers due in full at the end of term. If not paid in full at the end of the term, interest accrues on remaining outstanding balance in accordance with customer's Cat Card agreement. Late payment charges apply. Cannot be combined with other offers. Additional terms and conditions may apply. Contact Cat Financial or your Cat dealer for more information.

   

3Cat repairs, rebuilds or replacements offer terms and conditions.

Now through end of 2025, use your Cat Card and get:

0% for 24 months or 0% for 24 months with 3-month upfront skip payments on Cat parts and service purchases of $5,000 or more.

Offers valid through December 31, 2025. Offer limited to purchases of select Cat parts and services of $5,000 or more. Rental transactions do not count toward minimum. Offers do not apply to purchases subject to invoice billing (see your Cat Card agreement for invoice billing terms). Contact your Cat dealer or Cat Financial for more information on qualifying parts and services. Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify.

Balance under offers to be paid by (1) equal monthly payments for the duration of the term, or (2) a 3-month skip payment followed by equal monthly payments for the remainder of the term. Balance under all offers due in full at the end of term. If not paid in full at the end of the term, interest accrues on remaining outstanding balance in accordance with customer's Cat Card agreement. Late payment charges apply. Cannot be combined with other offers. Additional terms and conditions may apply. Contact Cat Financial or your Cat dealer for more information.

   

4Cat work tools offer terms and conditions

Now through end of 2025, use your Cat Card and get:

0% for 12 months, 1.9% for 24 months or 4.9% for 36 months on qualifying Cat work tool purchases of $1,000 or more when you use the Cat Card at participating dealerships.

4.9% for 36 months + earn 5% in Cat Credits on select Cat work tool purchases of $1,000 or more when you use the Cat Card at participating dealerships

.0% for 36 months on select Cat work tool purchases of $1,000 or more when you use the Cat Card at participating dealerships

Offers valid through December 31, 2025. Offers for 0% for 12, 1.9% for 24 months and 4.9% for 36 months limited to qualifying work tools compatible with select compact equipment and qualifying work tools compatible with the following equipment models: 950-982, 986-994, 313-395, M314-M3260, MH3022-MH3260 and M538-FM568. Contact Cat dealer for a full listing of eligible work tools.

Offer for 4.9% for 36 months + Cat Credits limited to qualifying work tools compatible with the following equipment models: 950-982, 986-994, 313-395, M314-M3260, MH3022-MH3260 and M538-FM568. Limit $10,000 in Cat Credits per work tool purchase. Cat Credits can used on future purchases of parts, service, sales, work tools and rentals of Cat equipment at participating Cat dealers, The Cat Rental Store, parts.cat.com and Cat Central. Availability to use Cat Credits on parts.cat.com and Cat Central varies by Cat dealer. Visit cat.com/catcredits for full Cat Credits rules.

Offer for 0% for 36 months limited to the following Hammers: H110-H215 and includes: rotary cutters; mulchers; compactors; shears; multi processors; pulverizers; demo & sorting, orange peel, forestry and fabricated grapples.

A $1,000 minimum purchase invoice is required on all offers unless otherwise stated. Rental transactions do not count toward minimum. Offer does not apply to purchases subject to invoice billing (see your Cat Card agreement for invoice billing terms). Financing is subject to credit approval by Caterpillar Financial Commercial Account Corporation for US customers, and Caterpillar Financial Services Limited for Canadian customers. Not all customers will qualify. Balance under offers to be paid by equal monthly payments for the duration of the term. Balance under all offers due in full at the end of term. If not paid in full at the end of the term, interest accrues on remaining outstanding balance in accordance with customer's Cat Card agreement. Late payment charges apply. Cannot be combined with other offers. Additional terms and conditions may apply. Contact Cat Financial or your Cat dealer for more information.