Will my new iPhone come with a SIM card inserted?

I will be preordering the next iPhone online.  It will be an upgrade to my account with AT&T.  When my phone arrives in the mail will it have a new SIM card already inserted into it or will I need to go to an AT&T retail store to have them activate the phone?  Your help is much appreciated.

Whether it comes with the SIM or not would depend on whether you specified AT&T as your carrier when you ordered it, or purchased an unlocked phone.  If you specify the carrier, the SIM will be included.

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