A multi-function card dispenser and related apparatuses, systems, and methods for processing credit cards, phone cards, in-store gift cards, and the like at customer-operated kiosks and other machines. In one embodiment, a card apparatus can include a card hopper having a card eject surface and a card track having a card transport surface positioned below the card eject surface. A first roller is configured to rotate to draw a first card from a card port and onto the card track. A second roller is configured to rotate to dispense a second (ejected) card from the card hopper and onto the card track and further toward the card port. In one embodiment, the second roller is further configured to rotate to deposit cards below the card hopper.