Cat Credits
Cat Credits

Cat®  Credits


Cat Credits are an immediate credit discount you can use toward your next qualifying Cat purchase. Save your cash and use Cat® Credits to pay for qualifying purchases including parts and services over the counter at your local Cat dealer or through an approved Cat online retailer, either Parts.cat.com or Cat Central.** Here’s how to earn and redeem them.


The most common way to earn Cat Credits is through special promotions: Caterpillar, your Cat dealer, Cat Financial or other vendors approved by Caterpillar may offer Cat Credits as part of a special offer or incentive. Participate and you get to take home those credits.

Eligible Cat Card accountholders are automatically enrolled in the Cat Vantage Rewards program. With Cat Vantage Rewards, you can earn points on qualifying Cat Card purchases* and can earn additional points when shopping on approved Cat online retailers. Those points are redeemable for Cat Credits. Visit cat.com/getrewards to see all the ways you can earn and spend Cat Vantage Rewards.

Don’t have your Cat Card yet? Click here to learn more and apply.

Cat Vantage Rewards are currently only available in the U.S. and Canada.


Cat Credits come to you via an emailed certificate from Cat Financial after you receive an award of Cat Credits through a promotional program or redeem Cat Vantage Rewards points.

Apply them over the counter at your Cat dealer. It’s simple. Just print the electronic certificate attached to the email and bring it with you. Or just show your dealer the certificate on your phone. You can also choose Cat Credits as your payment method on Parts.cat.com and Cat Central. Simply enter the certificate number to apply credits when you check out online or in the app.


Whatever you need to get the job done and grow your business, chances are you can use Cat Credits to help pay for it. That includes:


Redeem your Cat Credits to buy guenuine Cat parts at a participating Cat dealership or on parts.cat.com.

Shop for Parts

Repairs & Rebuilds

Use cumulated Cat Credits to fund your next machine rebuild.



Keep your machine working as hard as you do with our extended protection and Customer Value Agreements (CVAs).


Work Tools & Attachments

Keep your machine as versitile as you are. Explore the many options of tools and attachments.

Work Tools & Attachments
Work Tools & Attachments

Used Equipment

Purchase used equipment with the help of Cat Credits. Does your used equipment need an overhaul? We can help with that too.



Rent your Cat machine with Cat Credits to give you the flexibility you need to get the job done.


What you can’t buy with Cat Credits

You can’t purchase new equipment with Cat Credits. You also can’t apply them toward items purchased for personal, family or household use; apply them to a dealer house account; or use them to pay down existing debt.


*See cat.com/catcardrewards for Cat Card with Cat Vantage Rewards rules, including eligibility, terms and conditions. Only customer applicants meeting credit requirements will be approved for a Cat Card. Not all customers will be approved. Cat Vantage Rewards are currently only available in the U.S. and Canada.

Customers that are Special Services Recipients can only use their Cat Credits earned through Cat Vantage Rewards to reduce their Cat Card balance while all other Cat Card Accountholders can use Cat Credits to make qualifying purchases.


**Availability to redeem with these approved online retailers, either Parts.Cat.Com or Cat Central, varies by dealer and country. Not all dealers will participate. Ability to redeem on Cat Central anticipated in the U.S. and Canada in early 3Q23.


***Available at participating rental providers and at The Cat Rental Store


Cat Credits do expire, so make sure to check the expiration date on your electronic certificate. Expiration dates may vary, but you typically have one year from the day your Cat Credits are issued to use them. Once that expiration date passes, you won’t be able to access any unused credits. Your dealer can’t extend the expiration date, either. Neither Caterpillar nor any of its dealers are responsible for lost or stolen Cat Credits.

Manage your Cat Credits

View rewards, redeem credits, track purchases, make payments, and more 24/7. Just register or log in to your account on MyCatFinancial.

Log In

Rules Governing Cat Credits

North America

Caterpillar customers who have received a Cat Credits electronic certificate (referred to below as the e-Certificate), whether awarded due to redemption of Cat Vantage Rewards or through another customer incentive program, must use the Cat Credits in accordance with all rules set forth below and any stated on the e-Certificate.

  • Cat Credits may be used to purchase parts, service, sales, rental and work tools at a participating Cat dealer, The Cat Rental Store or at any other participating dealer or authorized vendor in the country of issuance (such purchases are “Qualifying Purchases”). New machines may not be purchased with Cat Credits.
  • Cat Credits are not legal tender and cannot be redeemed for cash or cash equivalents (such as gift cards or gift certificates).
  • If a customer is permitted by a participating dealer or other authorized vendor to return a purchase made with Cat Credits, such customer will not be refunded in cash or cash equivalent any portion of the cost of the purchase covered with the Cat Credit. If the Cat Credit used for the purchase has not yet expired as of the date of the return, the customer shall receive a refund of the value of the prior-applied discount back to the original Cat Credits record and the original expiration date shall apply.
  • Cat Credits may not be used to purchase items for personal, family or household use.
  • Customers will have a set amount of time to use the Cat Credits from the date of its issuance. The issuance date is stated on the face of the Cat Credits e-Certificate.
  • If Cat Credits are part of a Cat Vantage Rewards redemption, such Cat Credits will expire one year from the date of issuance.
  • Expiration dates on Cat Credits may vary. Please check the e-Certificate details to determine the applicable expiration date. Cat Credits expire at 4 p.m. (CST) on the designated expiration date. Once the Cat Credits e-Certificate has expired, unused credits are forfeited.  Cat Credits cannot be extended. Cat Credits e-Certificate holders not redeeming the full value of their Cat Credits by the expiration date of such credits will not be able to recover the unused credits.
  • Cat Credits, whether earned from Cat Vantage Rewards or granted through another customer incentive program, may not be used towards satisfying balances on any indebtedness held by Caterpillar Financial, or any of its affiliates or subsidiaries, including Caterpillar Financial Commercial Account Corporation.
  • Cat Credits may not be issued to or redeemed by any U.S. Federal or State Government entities or public institutions.
  • Cat Credits, whether earned from Cat Vantage Rewards or granted through another customer incentive, are not to be applied towards dealer house accounts and any such use discovered will be charged back to the participating dealer or authorized vendor on account of it not constituting a Qualifying Purchase.
  • Cat Credits are eligible to be redeemed on Parts.cat.com. Availability to use Cat Credits on Parts.cat.com, however, varies by dealer. Not all dealers will participate. Registered (or Customer Specific Pricing / CSP) Parts.cat.com users who redeem their Cat Credit on Parts.cat.com can redeem up to $10,000 in a single instance.  Guest (or Instant Access) Parts.cat.com users who redeem their Cat Credit on Parts.cat.com can redeem up to $2,500 in a single instance. 
  • Cat Credits e-Certificate holders might be required to verify their identity by Cat Financial, a participating dealer or other authorized vendor by providing photo identification, supplying information about the commercial owner of the e-Certificate or by providing any other information deemed necessary to minimize the risk of fraud.
  • A participating dealer or any other authorized vendor may require any person who represents that he or she is an authorized representative of the Cat Credits owner to provide identification and/or proof of authorization.
  • Cat Credits can only be used to purchase in the country of issuance.
  • While Caterpillar makes reasonable efforts to minimize opportunities for fraud relating to Cat Credits e-Certificates, it cannot be liable for thefts of e-Certificates caused by security breaches or other forms of theft.  Loss of a Cat Credits due to theft or fraud are unrecoverable.
  • Customers are only eligible to redeem Cat Credits issued to them as shown on the face of the e-Certificate, since they are not transferrable.

Earn more Rewards to Redeem for Credits with a Cat Card

Pay for equipment, parts, service and attachments wherever the job takes you. Use your Cat Card at participating Cat dealers and Cat Rental Stores to get what you need and get back to work.

Cat Card owners get 1% more back in Cat Vantage rewards than non-users.

Explore Benefits
cat card program
cat card program

Special Offers

Seeing you succeed is our goal. Our special offers make it easy and affordable for you to choose new and used Cat® machines, parts, service and more. 

special offers
special offers