Apparatuses, systems, and methods for dispensing credit cards, phone cards, in-store gift cards, and the like from customer-operated kiosks and other machines. In one embodiment, a card dispensing apparatus can include a plurality of card hopper assemblies arranged in an array of two or more vertical columns, each column including two or more card hopper assemblies. Each card hopper assembly can include a card hopper configured to hold a vertical stack of horizontally oriented cards. Each card hopper assembly can further include a card ejector assembly configured to eject the bottom-most card from each card stack. The card dispenser can further include a movable card carriage that can be selectively positioned to receive a card from any of the card hoppers and read information from the card before dispensing the card to a customer.