I have an Apple Card and have upgraded my software the savings option does not appear for me on my iPhone or ipad

You’ve verified that your iPhone is on 16.4.1.

Update iOS on iPhone - Apple Support

Your Region on your iPhone is set to United States and you’re physically in the US and not behind a VPN?

Change your Apple ID country or region - Apple Support

Your Apple Card Mastercard is not locked or restricted?

Please log out of your Apple ID/iCloud account, force restart your iPhone, log back into your account and attempt to setup Apple Savings Account.

Force restart iPhone - Apple Support

On your iPhone are you looking at the Wallet app or the Settings app? You must be in Wallet app to see links and apply.

When you tap More button and then tap Daily Cash you’re not seeing

What do you mean you had rework you credit cards? Is isn’t normal. How far are you from an Apple Store? This is going to be slow without the visual feedback an in person diagnosis/examination would provide.