Credit cards with reward points entice people with travel miles, gift cards and other perks. They sound great, but when it comes to financing your parts and service needs, are they really worth it? To put it plainly, rewards cards may not be all they're cracked up to be.

Consider the buying power of a CNH Capital Productivity Plus^® account. In most cases, Productivity Plus will save you money when compared to a standard rewards card. With no annual fee and no interest/no payment offers, you can expect to pay less interest over the course of the year.

Productivity Plus gives you a convenient way to pay for your parts, service, attachments and rental needs at Case IH, New Holland Agriculture, New Holland Construction and CASE Construction dealerships. Take a moment and think about your business and the expenses you incur. What happens when you're saddled with an unexpected repair? Need to quickly replace a critical part or attachment? Want to take advantage of a special deal on oil and filters or equipment maintenance during the off season when cash is tight? Need to rent some equipment to get the job done right?

Personal credit cards are not designed for the unique seasonality of agriculture and construction businesses, but we are. Productivity Plus is operated entirely by CNH Capital so our team understands businesses like yours and is ready to help. Equal payment plans and other flexible payment options are available to fit your individual needs.

Using a Productivity Plus line of credit is a great way to manage your cash flow and keep your business and personal lines separate. With everyday no interest/no payment terms plus exclusive extended payment terms, you can make payments when it makes sense for you and your business. You can also take advantage of special seasonal offers that are only available to Productivity Plus account holders. If a need or business opportunity suddenly arises, you can request a credit limit increase and be approved in a few hours, not a few weeks. And with convenient online access to your account, it's never been easier to keep track of all your parts and service purchases (even rentals) so you can manage your business expenses more effectively.

Don't experience buyer's remorse when making your parts, service and rental purchases. Make Productivity Plus your go-to payment option and experience the special offers available to you today. Apply online or go to your local Case IH, New Holland or CASE Construction dealer to sign up for your Productivity Plus account. 

Now through December 31, 2026, open a Productivity Plus account or use your current account and be entered to win one of the quarterly prizes, including $4,000 Apple Vacations® gift cards.* (Terms and conditions apply. Click here for full details.)

Visit your local dealer or apply today!