iPhone 11 - Does it have a sims card?

It depends. If you order a sim free iPhone it won't have a sim card. If you select a carrier for it it will include a SIM card for the selected carrier. So it is down to how you get the Phone.

SIM cards are generally free, from most cellular service providers so having or not having one should be completely irrelevant. Nobody is making money off of a SIM card.

If you have a previous iPhone or Android Phone that uses a Nano SIM card you can even use that SIM card in the new iPhone.

The Apple Store told me mine doesn’t, yet my carrier said it absolutely does! It’s all about the money, never forget!