Card Optimizer

Best credit card for IHOP

We ranked all 106 cards in Card Optimizer's catalog for a $100 purchase at IHOP on October 19, 2026, by the dollar value of what each earns.

See which of your cards wins at IHOP

Top cards at IHOP

IHOP counts as dining unless a card has a bonus for the store itself.

  1. Chase Freedom Flex

    Top pick10.5% back · $0 annual fee

    $10.50 on $100

    • 3x points on dining.
    • Plus 4x points extra on dining.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • 700 Chase Ultimate Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $1,500 of spend a quarter.

  2. American Express Gold Card

    6% back · $325 annual fee

    $6.00 on $100

    • 4x points on dining.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $50,000 of spend a year.

  3. American Express Business Gold Card

    6% back · $375 annual fee

    $6.00 on $100

    • 4x points on dining.
    • American Express's default category until you pick one.
    • 400 Amex Membership Rewards points valued at 1.5¢ each.
    • The bonus rate covers up to $150,000 of spend a year.

  4. Discover it Cash Back

    5% back · $0 annual fee

    $5.00 on $100

    • 5% cash back on dining.
    • Rotating bonus active 2026-10-01 to 2026-12-31.
    • Bonus must be activated with the issuer to earn this rate.
    • The bonus rate covers up to $1,500 of spend a quarter.

  5. Chase Freedom Unlimited

    4.5% back · $0 annual fee

    $4.50 on $100

    • 3x points on dining.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  6. Bilt Obsidian

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on dining.
    • Bilt's default category until you pick one.
    • 300 Bilt points valued at 1.5¢ each.

  7. Chase Sapphire Preferred

    4.5% back · $95 annual fee

    $4.50 on $100

    • 3x points on dining.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  8. Chase Aeroplan

    4.5% back · $195 annual fee

    $4.50 on $100

    • 3x points on dining.
    • Limited-time bonus through 2026-12-31.
    • 300 Aeroplan points valued at 1.5¢ each.

  9. Chase Sapphire Reserve

    4.5% back · $795 annual fee

    $4.50 on $100

    • 3x points on dining.
    • 300 Chase Ultimate Rewards points valued at 1.5¢ each.

  10. Citi Strata Premier

    4.2% back · $95 annual fee

    $4.20 on $100

    • 3x points on dining.
    • 300 Citi ThankYou points valued at 1.4¢ each.