Do I need a washington state boater safety card if I am not operating a boat and i am just a passenger

Of course not!

no

Nope

only as an operator do you need any kind of training. but general safety isd good thing to know anyway just in case the owner hasnt thought about it since taking his test. wear a life jacket

If you wont wear it then at least tie it to your belt loop or at least have it with you as a seat cushion perhaps. know where yours is at all times. if they are in storage they are useless.

No, just the operator. But if you're going to be spending any time on boats, it is a great $10 investment.