customer at a dealer office

Cat® Card Program

Buying parts should be as easy as buying groceries. Renting equipment, as easy as renting a car. The Cat® Card Program gives you that simplicity — plus the flexibility and resources to get what you need fast at any participating Cat dealer or Cat Rental Store in the U.S. and Canada. Wherever the job takes you, use your Cat Card just like a credit card for parts, service, rentals and more.

Cat Card
Program Options

Image of Cat Commercial Card (Revolving Account Card)

Cat Commercial Card
(Revolving Account Card)

Take control of business expenses with a dedicated, revolving line of credit you can pay in full or with low monthly payments

Image of Cat Commercial Card (Invoice Card)

Cat Commercial Card
(Invoice Card)

Get more purchasing power, flexibility and convenience with a dedicated, reusable line of credit for your business

Image of Cat Card (Consumer)

Cat Consumer Card
(U.S. Only)

Pay for personal, family and household jobs quickly and easily in full or with low monthly payments

 
APPLY NOW  |  PAY & MANAGE CARD
APPLY NOW  |  PAY & MANAGE CARD
APPLY NOW  |  PAY & MANAGE CARD

Special financing and flexible payment terms

x
x
x

24/7 account access and management

x
x
x

Dedicated line of credit for your Cat purchases

x
x
x

$0 liability on fraudulent purchases

x
x
x

Special, periodic promotional offers

x

 

x

Revolving line of credit – make low monthly payments or pay in full each month

x

 

x

Variable APR on revolving balances

x

 

x

Option of business-only or personal and business credit underwriting

x

 

 

Reusable line of credit

 

x

 

Monthly invoices batched with balance due in full each month

 

x

 

Business underwriting only

 

x

 

25-day grace period (from statement date to payment due date)

x

 

x

Pay by invoice – flexibility to itemize and pay invoices individually

 

x

 

Invoice-level purchase detail captured and combined in monthly statement

x

 

 

Improved reconciliation with required PO details for transaction processing

x
x

 

Account set-up options allow credit line management across master/sub accounts

 

x

 

Cat Card Offers

Revolving Account Offers (U.S. Customers)

0% for 12 Payments or 1.9%
for 18 Payments*

on qualifying new or reman Cat parts, with or without service, for purchases of $1,000 or more at participating dealerships in the United States. Valid January 1, 2020 through December 31, 2020.

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customer purchasing cat parts

* With credit approval for qualifying purchases made at participating dealerships located in the United States on a Cat Commercial Revolving Account. 1.9% APR on purchases of $1,000 or more made from January 1, 2020 through December 31, 2020 until balance is paid in full. The amount of the monthly payments will be equal to the total purchase amount (including taxes) divided by 18, rounded to the nearest dollar. If you have other balances or late payments on your account, the number of payments advertised may not pay off the balance. See account agreement for details. Offer valid for accounts in good standing; see dealership for details. May not be combined with any other credit promotion offer. Purchase must be made in a single transaction.

 

Revolving Account Offers (Canada Customers)

0% for 12 Payments or 1.9%
for 18 Payments*

Pay no interest* on qualifying new or reman Cat parts, with or without service, for purchases of $1,000 or more when you use the Cat Commercial Card at participating dealerships in Canada. Minimum payments required. No administrative fee for entering into this special financing plan.1 12-month promotional period. Valid January 1, 2020 through December 31, 2020.

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customer purchasing cat parts

*1) Interest does not (in Quebec, credit charges do not) accrue on qualifying purchases made during the promotional period. The cost of borrowing (in Quebec, the credit rate) applicable to qualifying purchases made during the promotional period is 0% per annum. The amount of the monthly payments in respect of any qualifying purchases will be split equally by dividing the total qualifying purchase amount (including taxes) by 12 months, rounded up to the nearest dollar. If you make other, non-qualifying purchases, have any outstanding balance or late payments on your account, the number of payments advertised may not pay off the balance. For non-qualifying purchases, outstanding balances or late payments, interest (in Quebec, credit charges) will be charged at an interest rate (in Quebec, credit rate) of 15.5.% per annum, the cost of borrowing (in Quebec, the credit rate) will be 15.5% and the minimum monthly payments will be equal to 5%† of the calculated new balance plus the amount of any billed periodic finance charges or $10 whichever is greater, in accordance with the Cat Commercial Revolving Account Card Agreement. If the calculated new balance is less than the $10, the minimum monthly payment will be equal to the calculated new balance.

The billing period covered by each Account Statement will be approximately 28 to 31 days. A grace period of 25 days applies to non-qualifying purchases when posted to the account. Examples of borrowing costs (in Quebec, credit charges) at the standard credit rate of 15.5% per annum (assuming a regular financing plan balance owing during a 30 day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges). All amounts (rounded to the nearest cent) are as follows:

If your average Interest-Bearing Balance is:     Your monthly credit charge will be:
1,000 $                                                                   12.74 $
1,250 $                                                                   15.92 $
1,500 $                                                                   19.11 $
2,000 $                                                                  25.48 $

Offer valid for accounts in good standing. May not be combined with any other credit promotion offer

2) Purchase requirement before taxes, fees and other discounts on a single transaction.
† On approved credit. Financing provided by Citi® Cards Canada Inc. This offer is valid at participating dealership locations.
^ See the Cat Commercial Revolving Account Card Agreement, as applicable for other fees and charges which apply to the Account. There are no annual membership or renewal fees applicable to the Account. 
‡ If your Account was opened prior to January 1, 2020, the minimum monthly percentage used to calculate the minimum payment is equal to 2% and will increase to 2.5% on January 1, 2021, 3.0% on January 1, 2022, 3.5% on January 1, 2023, 4.0% on January 1, 2024, 4.5% on January 1, 2025 and 5.0% on January 1, 2026.

© 2020, Citibank, N.A.