No, your refund will not already be on your card. They do not mail out active cards. You have to activate it then wait until the IRS issues your refund.
TurboTax gives you an estimated date for receiving your refund based on a 21 day average from your date of acceptance, but it can take longer.
Once your return has been accepted by the IRS, only the IRS has any control. TurboTax does not receive any updates from the IRS.
To track your Federal refund:
https://www.irs.gov/refunds
To track your state refund:
https://ttlc.intuit.com/questions/1899433-how-do-i-track-my-state-refund
On the IRS site you are also offered the use of an app called IRS2Go
https://ttlc.intuit.com/questions/1901548-why-do-some-refunds-take-longer-than-others