How To Get A Refund From Your Apple Card

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How To Get A Refund From Your Apple Card

Not to be confused with Apple gift cards, Apple Card is a rewards-based credit card and app that provides 3% Daily Cash on each transaction, risk-free credit reports, no annual fees, and other benefits. First launched in 2019, Apple Card currently has 12 million customers that have collectively earned over $1 billion in Daily Cash rewards.

Need to transfer money from your Apple Card? Do you have a transaction you want to dispute in your account? You’re not alone. can help you understand the ins and outs of Apple Card disputes and refunds. Read onwards for our comprehensive guides and get your questions answered.

Can You Get Refunds From Your Apple Card?

According to Apple, charges can be disputed on your Apple Card. Much like with financial institutions like your local bank or PayPal, disputes consist of a handler gathering all the information out there involving the case and then making a final decision on whether the money will go back to the customer’s account. According to Apple, it can take up to two billing cycles to resolve a dispute — that’s roughly two months. So if you start a dispute in March, it might take some time in May to hear back from Apple.

How To File A Dispute With Your Apple Card

If you know Apple, the company has been notorious for having very long hold times for customers. However, there’s a separate customer service department exclusive to Apple Card holders. Here’s how to get in touch:

  1. Open the Wallet app on your iPhone, or the Settings app, followed by “Wallet & Apple Pay” on your iPad.
  2. Tap on “Apple Card”.
  3. Find “Latest Transactions” and tap on the transaction you want to act on.
  4. Tap on the transaction once more.
  5. Tap on “Report An Issue”.
  6. Choose the option that best relates to your transaction.
  7. Tap on “Continue”.
  8. Tap on “Continue to Chat”.
  9. Write a message detailing your order, and then tap on “Send”.

After a moment, you’ll either be required to enter further details or you’ll be forwarded to a human representative.

Apple Card Disputes: What To Expect

Apple will provide regular updates on your dispute through email. Often it is the case that Apple will require more information from you in regards to what happened, so they can make a more informed decision. You might also get a temporary credit and additional interest charges. The merchant will also need to provide information, and they have up to 45 days to respond to the dispute.

At the end of the investigation, Apple can either give you a favorable or unfavorable decision. If favorable, the temporary credit becomes permanent which also includes interest charges. If unfavorable, the temporary credit goes back to the merchant, and you will need to pay the transaction as it stands.

Taking Too Long? Go With

Whereas it takes a couple months to file a dispute with Apple, it will take just a couple of days for With, we’ll write a letter directly to your bank to give you the fastest conclusion and the overall best chance at a successful chargeback.

Here’s’s main appeals:

  1. Have AI work with you: Get a professional letter written fast with the help of our AI companion using your data.
  2. Get a reason code automatically: Save yourself hours of financial research and we’ll assign the best reason code for your case — crucial for your chargeback to go through.
  3. Skip wasting time and money: File your refund request right on your smartphone or computer! No need for postage or a trip to the bank or post office.

10 minutes is all you need of your time, and we’ll take care of the rest. We’ll notify you if your bank approves your chargeback, which can appear on your next bank statement.

Can I Get A Refund On App Store Purchases?

If you purchase an app, subscription, video, or music track on the App Store, Apple TV, or Apple Music, you won’t need to contact Apple Card or even Apple customer support. You can get a refund by just being guided through the Apple refund page.

Here’s how this process works:

  1. Go to and sign in.
  2. Click on “I’d like to”, followed by “Request a refund”.
  3. Enter the reason you want a refund.
  4. In the list of purchases, choose the one you want a refund for.
  5. Click on “Submit”.

It should take 1 to 2 business days for your money to return to your credit card.

Subscriptions can also be canceled, but in most cases, you might not get your money back if the subscription has been ongoing for a while.

Apple Card Customer Service Hours

It’s important to note that customer service for Apple Card is currently handled by Goldman Sachs. With this in mind, the customer service hours may differ from Apple’s customer service hours.

Goldman Sachs customer service is available Monday through Friday, 9:00 AM to 6:30 PM EST. Opening a dispute within these business hours will ensure the dispute will begin sooner rather than later.

How To Protect Apple Card From Fraudulent Charges

Apple has a primary way to secure your information from unauthorized charges: with Advanced Fraud Protection. This protection ensures that you’re the only person that makes purchases using your card online. What happens is that when you pay for something online, Apple will provide you with a temporary security code that will be provided to you either in the Wallet app or in Safari — automatically filled in to save you time.

Click here for more information on Advanced Fraud Protection.

Why Don’t I Get Unlimited 3% Daily Cash?

Apple Card offers Unlimited 1% Daily Cashback on all purchases with the plastic Apple Card and 2% on purchases using Apple Pay. If you’re having second thoughts about canceling your Apple Card, it’s important to know that this 3% Daily Cashback bonus only applies to select stores and services — not every store. Here is a list of stores that opted into the Unlimited 3% Daily Cashback program:

Ace Hardware
AppleIncludes the Apple Store and all App Store marketplaces.
Exxon and Mobil
NikeIncludes Nike stores, Nike’s website, and Nike apps.
Panera Bread
T-MobileIn-store only.
UberIncludes Uber rides and Uber Eats orders.
Walgreens and Duane Reed

To see a current list of participating retailers, go to the Wallet App, followed by “Apple Card”, then “⋯”, then Daily Cash”, then scroll down to see the current list of participating companies.

Settle All Your Refunds With

While Apple has measures in place to dispute transactions, we provide faster and more effective ways to get your money back! Use on your desktop or handheld device and take action right now on shady merchants.

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Online ServiceGrammarly refundAmazon refundShopify refundLyft refundChegg refund
Streaming/ TechNetflix refundSpotify refundHulu refundApple refundYouTube refund
TravelFrontier Airlines refundDelta Airlines refundUnited Airlines refundAirbnb refundAmtrak refund

Frequently Asked Questions (FAQs)

What Bank Issues The Apple Card?

While Apple created the Apple Card, its financial partner was Goldman Sachs. Apple terminated this partnership in December 2023, after Goldman Sachs expressed wanting to shift away from the consumer-lending industry. Apple is slated to announce a new financial partner by 2025.

Can I Contact Apple Card Customer Care On Social Media?

Apple Card customer service is currently unavailable on social media. Apple Card's social media either is inactive or nonexistent on channels such as X, Facebook, and Instagram. To contact Apple Card customer service, call (877) 255-5923.

How Can I Transfer My Apple Card Balance To Another Bank Account?

Money can be transferred from your Apple Card to another bank account primarily with a bank transfer. The easiest way is to transfer to a Visa or Mastercard-brand debit card, which will receive your funds in just 30 minutes. For all other cards, it will take up to 3 business days.

To do this, go to the Wallet App, followed by “Apple Card”, then “⋯”, then “Transfer to Bank”. Provide your bank account number and routing number of your recipient account to proceed.

Can I Appeal A Closed Apple Card Dispute?

Once a dispute is settled regarding an Apple Card transaction, it can’t be appealed or reopened. You can, however, contact the merchant if you’d still like to get a refund if the merchant is willing to negotiate with you.

How Much Money Can I Transfer From Apple Card At A Time?

Money transfers from Apple Card accounts aren't unlimited. You can send up to $10,000 per transfer and $20,000 per week to another bank account. If you transfer money to a Visa or Mastercard-branded debit card, a transfer fee doesn’t occur. For other cards, a transfer fee of 1.5% will be imposed.