I don’t have option to apply for Apple card in Wallet

Is you iPhone updated to the latest iOS?

Update iOS on iPhone - Apple Support

Do you meet the requirements to apply?

>> See if you're eligible

• To be eligible to apply for Apple Card, you must be 18 years old or older, depending on where you live.
• You must be a U.S. citizen or a lawful resident with a valid, physical U.S. address that's not a P.O. Box. You can also use a military address.
• Your device must be compatible with Apple Pay. See which devices are compatible with Apple Pay. Make sure that your device has the latest version of iOS, watchOS, or macOS.
• You must sign in on your device with your Apple ID and use two-factor authentication.
• If you have a freeze on your credit report, you need to temporarily lift the freeze to apply for Apple Card. Learn how to lift your credit freeze.
• You might need to verify your identity with a Driver License or State-issued photo ID. <<

How to apply for Apple Card - Apple Support