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IHOP - Portland is classified under MCC 5812 (Eating places and Restaurants). The best card for IHOP - Portland purchases is the Ink Business Cash (no annual fee), earning 5x on eating places and restaurants — an effective return of 10.25%.
Payment Methods
Does IHOP - Portland accept Mastercard? Yes — IHOP - Portland accepts Mastercard, Visa, American Express, and Discover at all locations, including in-store and mobile app payments.
When you pay at IHOP - Portland at their locations, your card issuer sees MCC 5812 in the transaction data. This code tells your bank that the purchase was made at a eating places and restaurants merchant. Bonus reward rates on your card apply based on this MCC — not the merchant name itself.
If your card earns bonus points on "eating places and restaurants" purchases, IHOP - Portland transactions will qualify — even if your card terms only mention a category name and not IHOP - Portland specifically. The key is that the MCC matches your card's bonus category definition.
You can verify the MCC on any IHOP - Portland transaction by checking your card's mobile app or statement. Some issuers display the merchant category alongside the transaction details. For the most accurate information, contact your card issuer's customer service and ask whether MCC 5812 qualifies for bonus rewards.
Merchant Category Code 5812 is assigned by card networks (Visa, Mastercard, Amex, Discover) to classify businesses in the Eating places and Restaurants industry. Issuers use MCCs to determine which transactions qualify for bonus reward rates. When a merchant is assigned MCC 5812, all qualifying card programs that include eating places and restaurants as a bonus category will apply the elevated earn rate.
The Dining industry group encompasses several related MCCs. Not all merchants in a similar business will share the same MCC — for example, a grocery store inside a warehouse club may code as wholesale ({"5300"}) rather than grocery ({"5411"}). Always verify with your issuer if you're unsure whether a specific merchant qualifies for bonus rewards on your card.
Other Eating places and Restaurants Merchants (MCC 5812)
Spending $200/month at IHOP - Portland with the Ink Business Cash (5x on eating places and restaurants) earns approximately $120/year in rewards. A basic 1% card earns $24 on the same spending. That is $96 more per year with no annual fee.
Prefer no annual fee? The Custom Cash earns 5x at IHOP - Portland merchants, earning $120/year with no annual fee.
Frequently Asked Questions
What MCC code does IHOP - Portland use?
IHOP - Portland uses MCC 5812 (Eating places and Restaurants). Our top pick for this MCC is the Ink Business Cash, which earns 5x (10.25% effective return) on eating places and restaurants purchases.
How much can I earn at IHOP - Portland with the right credit card?
Spending $200/month ($2400/year) at IHOP - Portland with the Ink Business Cash (no annual fee) earns approximately $120/year at 5x. A basic 1% card earns $24 on the same spending — that is $96 more per year with the right card.
Is IHOP - Portland classified as eating places and restaurants for credit card rewards?
Yes. IHOP - Portland is classified under MCC 5812 (Eating places and Restaurants) by Visa and Mastercard. Cards that list 'eating places and restaurants' as a bonus category — such as the Ink Business Cash — will apply the elevated earn rate at IHOP - Portland.
Does my credit card earn bonus rewards at IHOP - Portland?
If your card includes eating places and restaurants in its bonus categories, then yes — IHOP - Portland's MCC 5812 typically qualifies. The Ink Business Cash earns 5x here. Check your card's app or call your issuer to confirm your specific card's category mapping.
What other stores are in the same category as IHOP - Portland (MCC 5812)?
MCC 5812 (Eating places and Restaurants) is shared by many similar businesses. Other stores in this category include: Acapulco Restaurant, Another Broken Egg, Applebee's, Applebee's - Albuquerque. The same credit card bonus rate applies at all of these merchants.
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Full disclosure
MCC data based on card network classification standards.
Rankings verified monthly from official card issuer terms.
Last verified: April 26, 2026.
Full methodology: www.pointspick.com/methodology.
