Apple Card PIN

A PIN is not necessary because cash advances are not permitted per the Apple Card Customer Agreement (Terms & Conditions).

https://www.goldmansachs.com/terms-and-conditions/Apple-Card-Customer-Agreement.pdf

Titanium cards do have pins, they’re just tricky to find but there are two ways to find the pin.

Way #1:

Wallet —> Apple Card —> Top right corner little card with 123 —> Additional Card Numbers —> You will now see the Last 4 digits and expiration of your titanium card.

Way#2

Wallet —> Apple Card —> Top right corner 3 dots —> Card Details —> Card information —> Additional Card Numbers —> You will now see the Last 4 digits and expiration of your titanium card.

Below the titanium card information it says “use the last 4 digits to identify transactions made with titanium card” The last 4 digits are your basically your pin number and used anytime you’re asked for a verification (which merchants will refer to as pins even though it’s credit)

Those are not a PIN (Personal Identification Number). Those are the last 4 numbers of the 16 digit card number. Those numbers are provided by the bank to facilitate refunds and returns.

The merchant is attempting to process the charge as a debit card, which would be considered a Cash Advance and not permitted per the T&C.