The apple card is not in my Wallet. Do I have to add it?

You have to be eligible to apply for the Apple Card. If you meet the eligibility requirements then you have to apply for the Apple Card and then once approved it will show up in your Wallet app.

Here is the information related to the Appel Card which includes eligibility and Application instructions ➔ How to apply for Apple Card - Apple Support.

Hope this answers your question.

Axel F.

See: How to add Apple Card to your Apple devices - Apple Support

or if you haven't yet applied, see: How to apply for Apple Card - Apple Support