Nope, the card is built in. It can be rebanded when the time comes, so that's not an issue. You might want to ask if the serial cable is also included (it's hard as hen's teeth to find them, and Scanner Master doesn't have it - I just looked. You'll need it when rebanding happens), or if it has a working battery (if not, this article lists several possible distributors for hi capacity batteries...)
Ive got a BC296D and its great. I think i paid about 160 on ebay but its pretty scratched up and didnt come with a serial cable. I got one later off a guy on a forum. I recommend getting one, its a nice scanner if you can find one.