Your Apple Card earns different cash back depending on how you pay: 3% at Apple and select merchants with Apple Pay, 2% on other Apple Pay purchases, and 1% with the physical titanium card or anywhere Apple Pay isn’t accepted.

When Kudos recommends your best card for a purchase, it uses the Apple Card’s 1% rate. Here’s why.

Not every store accepts Apple Pay, and there isn’t a reliable, up-to-date list of the ones that do. If Kudos assumed you’d always earn 2%, it could recommend your Apple Card at a store where Apple Pay isn’t an option, and you’d earn only 1%. Using 1% keeps recommendations accurate everywhere.

If you’re paying with Apple Pay, your Apple Card earns at least 2%. In that case it beats any card that earns less than 2% on that purchase, even if Kudos suggests a different card.

For example, if Kudos recommends a card that earns 1.5% everywhere, but you’re checking out with Apple Pay, your Apple Card will earn more.

If you’re shopping somewhere with bonus categories, like dining or groceries, it’s still worth checking Kudos. A card earning 3% or more in that category will beat your Apple Card.

You can now connect your Apple Card so its transactions show up next to your other cards in your spending insights. To set it up, open the Kudos app on your iPhone, tap Wallet, swipe to your Apple Card, and tap Connect your account under Summary.

For step-by-step instructions, requirements, and troubleshooting tips, see How do I connect my Apple Card to Kudos?