iCloud contacts group is missing

In contacts settings, I cannot choose iCloud as the default because it isn’t listed. I have done all of the checking - iCloud contacts are turned on, correct Apple ID, turned iCloud contacts off and on after rebooting phone, and signed out of the Apple account and back in. None of these as instructed by Apple have brought the iCloud contacts as a selection for default groups. It only shows Gmail and On my iPhone as options, and all of my contacts are actually in my iPhone not Gmail. I’ve also tried turning off Gmail contacts and going through all of the processes again and it made no difference. Any ideas?