Hi zmxng,
You're correct. You should only see the last contact card accessed if you navigate away from the Contacts app using the App Switcher and then back again to the Contacts app.
However, as you've force closed the app and tried a normal restart there indeed seems to be an issue.
With the Contacts app open if you see the blue text "Groups" at the top left corner you can tap this and ensure all accounts are selected. The very bottom section "Show or hide a group" from the guide page here Use other contact accounts on iPhone also has the steps if needed.
If you have no "Groups" option or the issue continues, reach out to Apple Support to further assist.
Contact - Official Apple Support
Contact Apple for support and service - Apple Support
Cheers!