For anyone with a T440s who did not replace the Wifi and Bluetooth card there are now ways to make the built-in AC 7260 work.
AC 7260 Bluetooth
With
https://github.com/zxystd/IntelBluetoothFirmware I was able to make Bluetooth on AC 7260 work, I tried it with a Bluetooth keyboard and it works fine.
Just make sure you do not have any of the Bluetooth fix kexts loaded (AirportBrcmFixup.kext, BT4LEContinuityFixup.kext, BrcmFirmwareRepo.kext, BrcmPatchRAM2.kext)
AC 7260 Wifi
With kext from
https://www.tonymacx86.com/threads/success-working-intel-wifi-drivers-for-7265ac-on-catalina.292207/ (
direct download) I was able to make the Wifi work.
The only inconvenience is that you need to load it with BSSID and Password filled,
there is a script to help with that.
The speed and ping is not exactly stable, but it is usable. Although I still prefer the
TPLink Archer T2U Plus I bought for the T440s to get Wifi.