IHOP Rewards Program: How to Earn and Redeem PanCoins?

IHOP’s rewards program—called the International Bank of Pancakes—is made for people who love stacking pancakes and stacking points at the same time. It’s free to join and gives you real value with every bite. For every $5 you spend, you earn 1 Pan Coin. After your first purchase, IHOP drops 5 bonus Pan Coins into your account. That’s enough to score a short stack right away without spending another dollar. On your birthday, they toss in 5 more. No coupons, no spinning wheels—just straight-up rewards.

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How Do I Earn Rewards?

You can earn IHOP rewards by joining their International Bank of Pancakes program. Once you’re a member, you’ll get 1 PanCoin for every $5 you spend. This includes all eligible purchases made through the app, website, and in-store.

You’ll also get 5 bonus PanCoins right after your first qualifying purchase. And when your birthday comes around, IHOP adds 5 more PanCoins to your account—no strings attached.
Simple math: Spend $15, get 3 PanCoins. Use 3 PanCoins, grab a short stack of pancakes. Easy win. Just don’t let your account go inactive for 24 months—your PanCoins will expire if you do.

Tip: Always make sure you’re logged into your rewards account when placing an order. If you eat at the restaurant, save your receipt. You can use it later to claim any missed PanCoins.

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What’s a PanCoin?

A PanCoin is IHOP’s version of digital pancakes—but better. It’s the reward currency you earn through their International Bank of Pancakes program. For every $5 you spend, you get 1 PanCoin added to your account.

These PanCoins don’t go to waste. You collect them, stack them up, and use them later for free food and special offers. Think of them like little pancake tokens that live inside your IHOP app.

IHOP also gives you bonus PanCoins after your first purchase and on your birthday. It’s their way of saying thanks with syrup on top.

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What Else Can I Redeem?

Once you’ve stacked up enough PanCoins, you can head over to IHOP’s Stack Market and trade them for all kinds of goodies. The basics? A short stack of buttermilk pancakes usually costs just 3 PanCoins. Want a full stack? That’s around 5 PanCoins.

But it’s not just pancakes. You can redeem PanCoins for other menu items too—like French toast, omelettes, and breakfast combos—depending on what’s available at the time. IHOP also runs limited-time offers where you can use PanCoins for seasonal items or special collabs (they once teamed up with Xbox!).

The more you save, the more choices you get. So yeah, PanCoins aren’t just cute—they’re pretty tasty too.

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FAQ’s

To become a member of IHOP’s International Bank of Pancakes, visit their website or download the IHOP mobile app. Provide your first and last name, email address, zip code, and preferred IHOP location. Optionally, include your birthday to receive special birthday offers. ​

For every $5 spent at IHOP, you earn 1 PanCoin. Ensure you’re logged into your account when ordering online, or present your digital QR code during dine-in purchases. You can also scan or enter the 13-digit code from your receipt into the IHOP app or website to collect PanCoins

PanCoins can be exchanged for promotional coupons for various menu items. For example, 3 PanCoins can get you a short stack of buttermilk pancakes, while 5 PanCoins can be redeemed for a full stack. Additional items are available in the Stack Market on the IHOP app

PanCoins expire after 24 months of account inactivity. To keep your PanCoins active, ensure you make qualifying purchases or redemptions within this period.

Currently, PanCoins are not awarded for purchasing IHOP gift cards. PanCoins can only be earned when dining at IHOP or ordering directly through their app or website.

To redeem PanCoins, log into your account on the IHOP app or website. Visit the Stack Market to select a reward, which will place a unique one-time coupon in your Rewards Wallet. Present this code to your server during dine-in or enter it online at checkout.

If PanCoins aren’t credited to your account after a qualifying purchase, contact IHOP’s Guest Relations team for assistance. ​

IHOP occasionally partners with brands for special promotions. For example, they have collaborated with Xbox, allowing members to redeem PanCoins for exclusive merchandise. ​

To get the most out of the program, always log into your rewards account when placing orders online. For dine-in visits, present your digital QR code during payment. Keep an eye on the Stack Market for limited-time offers and special promotions to make the most of your PanCoins.