En Uruguay no podemos agregar tarjetas? No me deja y tengo un IPhone 14 Max

If you can translate, then please check to see if your cards meet these requirements.

1. Make sure the payment method that you are adding is of the same country as that of App Store Country on your iPhone
2. You have valid payment plan / debit / credit card from an authorized bank from the same country
3. These are the Payment methods you can use with your Apple ID - Apple Support
4. Please check if your Debit/Credit card is valid internationally

If it would be easier, try posting your question to the link below.

Comunidad de soporte de Apple oficial