MCC Code
5812
Category
Eating Places, Restaurants
Reward Category
Dining
Confirmed by
PreSwipe team
Best cards for IHOP
Hilton Honors Amex Surpass
6x pts on dining
6x pts
Citi Custom Cash
5% back on top spend category (auto)
5% back
Amex Gold
4x MR on dining
4x MR
Amex Green
3x MR on dining
3x MR
Chase Sapphire Reserve
3x UR on dining
3x UR
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Search PreSwipe →Frequently asked questions
What MCC code does IHOP use?
IHOP uses MCC 5812 — Eating Places, Restaurants. This is the four-digit Merchant Category Code assigned to IHOP by card networks and determines how your purchase is categorized for rewards.
Does IHOP count as eating places, restaurants for credit card rewards?
Yes — IHOP codes as Eating Places, Restaurants (MCC 5812), so purchases here should earn bonus rewards on cards that offer a eating places, restaurants category bonus.
Which credit card earns the most rewards at IHOP?
The best card depends on how IHOP codes. Since it uses MCC 5812 (Eating Places, Restaurants), look for cards that offer bonus rewards in that category. Check the card recommendations above for the top options.