Suprisingly the phone came with a Sandisk 8GB card. I swapped mine out with a Sandisk 32GB card.
From what I've read, there are "things" on the 3D card out of the box. One is a 3D movie, for example. I don't think anything important to operate the phone is on the card, but I'm going to copy the stock 3D card to my 4G card initially (if that makes sense).