Apple Card Arbitrage: How to get out easily

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The Apple card was launched in the United States today, and Apple has also added a new cash back offer for Uber. One thing to note with Apple Card, however, is that the terms and conditions specify that you accept arbitration. Fortunately, however, it is relatively easy to withdraw. Here's how to do that.

Sylvania HomeKit Light Strip

Arbitration clauses are incredibly common in terms and conditions nowadays. By and large, when you agree to arbitration, you waive your right to sue Apple or Goldman Sachs, either individually or as a member of a group.

ArsTechnica has a good explanation of what this means:

[Arbitration] instead, requires clients to accept binding arbitration to resolve their differences. Although developers often consider that binding arbitration is faster and cheaper than lawsuits, arbitration strongly favors companies over consumers in litigation. The arbitrator (s) are usually chosen by the company participating in the arbitration and tend to favor the interests of the company.

The Goldman Sachs Apple Card Contract makes it clear that arbitration is a denial option, rather than an option:

By accepting this Agreement or using your Account, unless you refuse the arbitration as set out below, you acknowledge that YOU ARE GIVING THE RIGHT TO MAKE CLAIMS (AS DEFINED BELOW) AND THE RIGHT TO INITIATE OR PARTICIPATE IN A COLLECTIVE ACTION. You hereby knowingly and voluntarily waive the right to be heard by a court or to have a trial in court for all claims subject to this Agreement.

How to reject Apple Card Apple Card arbitration

The most important thing to note is that you must unsubscribe from arbitration within 90 days of opening your Apple Card account. Of course, Apple Card has only been available for a few weeks. So you are always in this window.

There are several ways to opt out of the arbitration agreement:

  • Call Apple at 877-255-5923
  • Send a letter to Lockbox 6112, PO Box 7247, Philadelphia, PA 19170-6112
  • Use the message feature in the Wallet app

The third option is by far the simplest:

  1. Open the Wallet app
  2. Tap Apple Card
  3. Tap the three dots in the upper right corner
  4. Press "Message"
  5. Send a message such as "I want to unsubscribe from Apple Card Arbitration".

For the moment, Apple does not provide any confirmation, but we strongly recommend that you capture your conversation in sleep mode for backup.

For help getting the most out of your Apple devices, check out our user guide and the following articles:

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