Cat Card Benefits

The Cat Card is a revolving line of credit. For example, if you work in a seasonal industry, there may be times during the year when it’s challenging to make a full payment on an equipment rental, a genset repair or something else you need to keep your business going.

With a revolving line of credit like the Cat Card, you can make low monthly payments when necessary, then pay in full when your finances allow. That flexibility helps your company make purchasing decisions and manage the financial obligations related to them more effectively.

As a business owner, you have many options to fund operations and secure credit. You probably already have business and personal credit cards in your wallet. So why should you choose the Cat Card?

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What Makes the Cat Card Different?

Designed Specifically for Cat Users: Today’s Cat Card is just for businesses like yours, allowing multiple users on one account and expense tracking by job. And it’s the only card that comes with dedicated Caterpillar support. You get personalized service from a Cat Financial customer support team — people whose only goal is your success.

Access to Cat Vantage Rewards: Cat Card members are automatically enrolled in Cat Vantage rewards. However, you do not need to have a Cat Card start earning Cat Vantage Rewards.
Cat Card members are automatically enrolled in Cat Vantage Rewards and earn unlimited 1% Cat Vantage Points* on all qualifying purchases* including both online and in-store purchases. They also earn an additional 3% reward points on the first $15K** spent on parts.cat.com per calendar year***.
LEARN MORE ABOUT CAT VANTAGE REWARDS
* Eligible accountholders earn Cat Vantage Points on purchases of parts, service, sales, rentals and work tools at participating Cat dealers, The Cat Rental Store, Parts.cat.com and any other program vendors. All Cat Vantage Points accrue based on local currency spend. Cat Vantage Points can be redeemed for Cat Credits to be used on future purchases of parts, service, sales, work tools and rentals of Cat equipment at participating Cat dealers, The Cat Rental Store, and Parts.cat.com. Availability to use Cat Credits on Parts.cat.com and Cat Central varies by Cat dealer. Visit cat.com/catcardrewards for full terms and conditions on earning Cat Vantage Rewards through your Cat Card, as well as rules governing Cat Credits.
** All Cat Vantage Points accrue based on local currency spend.
***Companies can earn up to 450 reward points per calendar year. See Cat Vantage Rewards Terms & Conditions for additional details including eligibility, limitations, and earning opportunities.

Flexible Options: With statement billing, you receive one statement monthly that covers all transactions made within that period. With invoice billing, you immediately receive a separate bill that mirrors the dealer invoice for each transaction you make, plus a monthly summary of all paid and open invoices.

24/7 Account Management: Whether you need to manage your finances on the weekend or after the working day is done, or simply want to check on the status of a recent transaction, the Cat Card makes it simple.