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20 cards ranked

Best credit card to use at IHOP.

Dining

IHOP, owned by Dine Brands Global alongside Applebee's, operates about 1,700 US restaurants best known for buttermilk pancakes, the Rooty Tooty Fresh 'N Fruity breakfast, and a 24-hour service model at many locations. The menu also covers omelets, French toast, burgers, and dinner entrees. IHOP transactions code as dining/restaurants whether dine-in, To Go, or via the International Bank of Pancakes loyalty app. Cards with strong dining bonuses (Amex Gold at 4x, Chase Sapphire Preferred at 3x, Capital One SavorOne at 3% cash) earn full rate.

  1. #1
    Discover it Cash Backthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  2. #2
    Discover it for Studentsthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  3. #3
    NHL Discover itthis quarter
    Discover
    5% on dining this quarter (Q2 2026) (up to $1,500/quarter, then 1%). Activation required each quarter.
    Activation required each quarter
    5%
  4. #4
    Robinhood Platinum
    Robinhood
    5% on dining
    5%
  5. #5
    American Express Business Goldif it’s your top category
    American Express
    4x points on dining if it's your top eligible spend category that cycle (up to $150,000/year, then 1%)
    Automatically on your top 2 spending categories each billing cycle from 6 eligible (airfare, U.S. advertising, U.S. gas, U.S. restaurants, U.S. computer/cloud, transit) — combined cap
    4.8%4x points
  6. #6
    American Express Gold
    American Express
    4x points on dining
    4.8%4x points
  7. #7
    Marriott Bonvoy Bevy American Express
    American Express
    4x points on dining
    Restaurants worldwide and U.S. supermarkets (up to $15,000/yr combined, then 2x)
    4.8%4x points
  8. #8
    Bilt Obsidianif you select it
    Bilt
    3x points on dining if you select it as a bonus category (up to $25,000/year, then 1%)
    Choose dining (default) or groceries as your 3x category annually (cap applies when groceries is selected)
    4.5%3x points
  9. #9
    US Bank Altitude Go Visa Signature
    U.S. Bank
    4x points on dining
    Up to $2,000/quarter
    4.0%4x points
  10. #10
    World of Hyatt
    Chase
    2x points on dining
    4.0%2x points
  11. #11
    World of Hyatt Business
    Chase
    2x points on dining
    4.0%2x points
  12. #12
    Wyndham Rewards Earner Plus
    Barclays
    4x points on dining
    4.0%4x points
  13. #13
    Wyndham Rewards Earner Premier
    Barclays
    4x points on dining
    4.0%4x points
  14. #14
    Chase Sapphire Preferred
    Chase
    3x points on dining
    3.8%3x points
  15. #15
    Chase Sapphire Reserve
    Chase
    3x points on dining
    3.8%3x points
  16. #16
    American Express Green
    American Express
    3x points on dining
    3.6%3x points
  17. #17
    Marriott Bonvoy Brilliant American Express
    American Express
    3x points on dining
    Restaurants worldwide
    3.6%3x points
  18. #18
    Navy Federal More Rewards American Express
    Navy Federal
    3x points on dining
    Includes food delivery
    3.6%3x points
  19. #19
    Hilton Honors American Express Aspire
    American Express
    7x points on dining
    U.S. restaurants
    3.5%7x points
  20. #20
    AAA Travel Advantage Visa Signature
    Comenity Capital Bank
    3% on dining
    3%

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Last updated May 17, 2026

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