Go Far with
the Cat® Card

Your Truck, Your Terms - Take Control of Every Spend
Your Truck, Your Terms - Take Control of Every Spend

 

 

What is the Cat Card?

Keep projects moving and preserve working capital with the Cat® Card account — the smart way to pay for Cat on-highway truck engine parts and service including Cat Reman cylinder heads, turbos, precious metals kits and more. With competitive rates, no annual fee and payment options that fit your schedule, the Cat Card account is a flexible solution for your business needs. Plus, get 0% financing for up to 24 months* with your Cat Card account, when you purchase eligible parts and service at your local Cat dealer, The Cat Rental Store or on parts.cat.com.

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.
  • Shop parts on parts.cat.com and the Cat Central app.

Whether you’re buying repair parts, planning an overhaul or considering adding Extended Service Coverage (ESC) to an eligible engine or component, the Cat Card account helps you stay ready for what’s next — without putting a strain on your bottom line.

1See cat.com/getrewarded for eligibility, details and terms and conditions.

   

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BUY WHAT YOU NEED NOW, PAY OVER TIME
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UNLOCK SPECIAL OFFERS ON PARTS AND MORE
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EARN REWARDS ON EVERY QUALIFYING PURCHASE

 

 

Get 0% Financing For Up To 24 months* With The Cat Card

Apply Today

 

 

Frequently Asked Questions

If you’re a business owner or fleet operator, the Cat Card account is designed for you. It’s an easy way to buy Cat engine parts and service you need now and pay later. Use it on turbos, injectors and other genuine Cat and Cat Reman parts or even Extended Service Coverage (ESC) — at participating Cat dealers, The Cat Rental Store or online on parts.cat.com (not valid at Truck Engine Parts and Service (TEPS) dealers).

When you use your Cat Card account to buy eligible truck engine parts and service, you can finance your purchase at 0% interest for up to 24 months.* That means you’ll only pay for the parts or service themselves — no extra fees or added cost over time — just easy, predictable monthly payments with no big upfront cost.

You can use your Cat Card account to finance a wide range of eligible Cat truck engine parts — including Cat Reman cylinder heads, turbos, injectors, precious metals kits and more. Just ask your dealer for the full list of qualifying parts and service.

The 0% financing for up to 24 months* offer is open to both new and existing Cat Card accountholders. If you’re interested in applying for a Cat Card account, eligibility is based on a few factors like your credit rating, financing history, overall credit history and current work. Check full eligibility requirements here.

Ready to apply? See how in the next question.

It's quick and easy — the application takes about five to seven minutes to complete. Start your application here. Once approved, you can take advantage of the 0% financing for up to 24 months* special offer and other flexible terms.

 

 

Now through end of 2025:

Shop with your Cat Card account 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 account 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 Cat Reman 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 account 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 account 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.

 

 

Resources

Save on Cat Repair Options

Find special offers on Cat Reman engines, long blocks, components and precious metals kits for Cat on-highway truck engines — available for a limited time only.

View the Latest Savings

Learn More About the Cat Card

Get step-by-step tutorials on how to apply for and use the Cat Card account, plus an overview of benefits and reward points.

More About Cat Card

Visit the Cat Truck Engine Resource Center

Get the tips and tools you need to avoid unscheduled downtime and stay on the road.

Explore the Latest Resources