diff --git a/src/libs/CardUtils.ts b/src/libs/CardUtils.ts
index a317fccda550..58dbc07aae8d 100644
--- a/src/libs/CardUtils.ts
+++ b/src/libs/CardUtils.ts
@@ -27,6 +27,14 @@ Onyx.connect({
     },
 });
 
+let allCardsLists: OnyxCollection<WorkspaceCardsList>;
+
+Onyx.connect({
+    key: ONYXKEYS.COLLECTION.WORKSPACE_CARDS_LIST,
+    waitForCollectionCallback: true,
+    callback: (value) => (allCardsLists = value),
+});
+
 /**
  * @returns string with a month in MM format
  */
@@ -195,6 +203,17 @@ function getCardFeedIcon(cardFeed: string): IconAsset {
     return Illustrations.AmexCompanyCards;
 }
 
+/** Checks if the Expensify Card toggle should be disabled */
+function shouldExpensifyCardToggleBeDisabled(workspaceAccountID?: number, areExpensifyCardsEnabled?: boolean): boolean {
+    if (!areExpensifyCardsEnabled || !workspaceAccountID) {
+        return false;
+    }
+
+    const cardsList = allCardsLists?.[`${ONYXKEYS.COLLECTION.WORKSPACE_CARDS_LIST}${workspaceAccountID}_${CONST.EXPENSIFY_CARD.BANK}`];
+
+    return !isEmptyObject(cardsList);
+}
+
 function getCardDetailsImage(cardFeed: string): IconAsset {
     if (cardFeed.startsWith(CONST.COMPANY_CARD.FEED_BANK_NAME.MASTER_CARD)) {
         return Illustrations.MasterCardCompanyCardDetail;
@@ -243,6 +262,7 @@ export {
     getEligibleBankAccountsForCard,
     sortCardsByCardholderName,
     getCardFeedIcon,
+    shouldExpensifyCardToggleBeDisabled,
     getCardDetailsImage,
     getMemberCards,
 };
diff --git a/src/pages/workspace/WorkspaceMoreFeaturesPage.tsx b/src/pages/workspace/WorkspaceMoreFeaturesPage.tsx
index 0182f1ea8827..bd6f9ce158f3 100644
--- a/src/pages/workspace/WorkspaceMoreFeaturesPage.tsx
+++ b/src/pages/workspace/WorkspaceMoreFeaturesPage.tsx
@@ -15,6 +15,7 @@ import useNetwork from '@hooks/useNetwork';
 import usePermissions from '@hooks/usePermissions';
 import useResponsiveLayout from '@hooks/useResponsiveLayout';
 import useThemeStyles from '@hooks/useThemeStyles';
+import * as CardUtils from '@libs/CardUtils';
 import * as ErrorUtils from '@libs/ErrorUtils';
 import Navigation from '@libs/Navigation/Navigation';
 import type {FullScreenNavigatorParamList} from '@libs/Navigation/types';
@@ -71,7 +72,6 @@ function WorkspaceMoreFeaturesPage({policy, route}: WorkspaceMoreFeaturesPagePro
         !!policy?.connections?.netsuite?.options?.config?.syncOptions?.syncTax;
     const policyID = policy?.id;
     const workspaceAccountID = policy?.workspaceAccountID ?? -1;
-    const [cardsList] = useOnyx(`${ONYXKEYS.COLLECTION.WORKSPACE_CARDS_LIST}${workspaceAccountID.toString()}_${CONST.EXPENSIFY_CARD.BANK}`);
     const [cardFeeds] = useOnyx(`${ONYXKEYS.COLLECTION.SHARED_NVP_PRIVATE_DOMAIN_MEMBER}${workspaceAccountID.toString()}`);
     const [isOrganizeWarningModalOpen, setIsOrganizeWarningModalOpen] = useState(false);
     const [isIntegrateWarningModalOpen, setIsIntegrateWarningModalOpen] = useState(false);
@@ -110,7 +110,7 @@ function WorkspaceMoreFeaturesPage({policy, route}: WorkspaceMoreFeaturesPagePro
             subtitleTranslationKey: 'workspace.moreFeatures.expensifyCard.subtitle',
             isActive: policy?.areExpensifyCardsEnabled ?? false,
             pendingAction: policy?.pendingFields?.areExpensifyCardsEnabled,
-            disabled: !isEmptyObject(cardsList),
+            disabled: CardUtils.shouldExpensifyCardToggleBeDisabled(policy?.workspaceAccountID, policy?.areExpensifyCardsEnabled),
             action: (isEnabled: boolean) => {
                 if (!policyID) {
                     return;