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Your machines are critical to your business’s success. That’s why we make it convenient and affordable for you to pay for new and remanufactured equipment parts and maintenance expenses using the Cat® Card. There’s many benefits to using the card such as no annual fee, exclusive cardholder rewards, and low-rate financing. It’s quick and easy to sign up, so apply today and start getting rewarded!

Benefits of the Cat Card Include:

  • No annual fee
  • Competitive rates and flexible payment terms
  • Unsecured financing – no lien required
  • Cat Vantage Rewards
  • Periodic promotional offers


Carter Machinery has special limited-time financing available as low as 0% for 24 months* when you use your Cat Card to purchase a rubber undercarriage!

*Offer is valid through 6/30/24. For additional details and finance terms, contact your Product Support Representative.

Cat Vantage Rewards Program

Qualifying Cat Card accountholders are automatically enrolled in Cat Vantage Rewards and will earn 1% back on all qualifying purchases when using your Cat Card. Whether you are paying for parts, service, rentals, engines, or work tools, the more you spend, the more rewards you’ll earn. Want to earn points faster? Use your Cat Card to purchase parts parts on or Cat Central and you’ll earn 3% back! For full Cat Vantage Rewards details, check out the terms and conditions at

Watch the videos below to learn more about the Cat Card.

Frequently Asked Questions

Why am I receiving this new card?

You completed an application for a Cat® Card and have been approved at the credit limit noted in the accompanying letter.

What are the benefits of the Cat Card?

The new Cat Card from Cat Financial features no annual fee, special financing, flexible payment terms and special promotional offerings. Additional features like 1% Cat Vantage Rewards on all qualifying purchases, multiple users under one account, expense tracking by job, and service and support from a dedicated Cat Financial team mean the new Cat Card works as hard as you do (see for details and terms and conditions).


Where can I use my Cat Card?

Your Cat Card may be used at any Cat dealer location, Cat Rental Store location, on Cat Central or


What can I purchase with it?

Qualified purchases include parts, engines, components, work tools, generator sets, Customer Value Agreements, Equipment Protection Plans, Agco Equipment, agriculture implements, lift trucks, air compressors and all allied equipment.

Do I need to present the card each time I use it?

You need not have your card with you to use it. Your Cat dealer can look up your card number using your government-issued photo identification at time of purchase.

Can a CAT card have more than one authorized user?

Yes. Each authorized user from your company will receive a Cat Card with your company account number. Call our Customer Service team at the number on the back of your card (1-877-373-9510) to learn more about flexible control opportunities or to set up and make changes to controls on your new account.

Can I manage my account online?

Enjoy 24/7 account online management features by registering or adding your Cat Card account at The MyCatFinancial mobile app is also available through the App Store or Google Play.

Are automatic payments available?

Yes. For details, call our Customer Service team at 1-877-373-9510 or email

When is my first payment due?

For payment due date, see your billing statement or view your account details online at

Where do I send my payment?

Please note the payment address and payee name on the remittance coupon of your billing statement. You may also pay online via MyCatFinancial.

What are Cat Vantage Rewards?

Cat Vantage Rewards is a program included with the new Cat Card that provides Rewards on all qualifying Cat Card purchases for eligible Accountholders. Rewards are earned and may, in most cases, be used for the purchase of Cat parts, service, work tools or rentals at any Cat dealer or Cat Rental Store location in North America. Visit for details and terms and conditions.


*Offer is valid through 6/30/2024. Financing is subject to credit approval for customers who qualify through Carter Machinery and Cat Financial. Not all buyers will qualify. Offer subject to change without prior notice. Additional terms and conditions may apply. A $500 minimum purchase invoice is required 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). For additional details, contact a Carter Machinery representative.