What accessories are included with a refurbished iPhone?

A refurbished iPhone always comes with its charger. No other accessories are included unless the refurbished iPhone is sold by Apple Store. You can compare resellers' included accessories here. 

If a refurbished iPhone is sold by Apple Store, it will come with all the accessories included in a brand new iPhone package:

• Apple charger (Power Adapter and Charge Cable)
• EarPods