Hello jbhardman,
Thanks for sharing this screenshot with us. It looks like you don't have the option to remove these cards. Let’s see what we can do to figure this out.
Next, let's try to add an active card to Apple Pay, and see if that solves this issue. Here's how to add card:
About Apple Pay
Also, make sure your iPhone is up-to-date on software. When you navigate to: Settings > General > Software Update do you see any available updates?
If so, please back up your iPhone, then update as explained in the following links:
How to back up your iPhone, iPad, and iPod touch
Update your iPhone, iPad, or iPod touch
If the issue persists afterwards, please contact Apple for further assistance.
Get Support
Thank you for using Apple Support Communities. Have a nice day.