diff --git a/src/pages/workspace/accounting/PolicyAccountingPage.tsx b/src/pages/workspace/accounting/PolicyAccountingPage.tsx
index 5586bad6f179..7aef46167d5d 100644
--- a/src/pages/workspace/accounting/PolicyAccountingPage.tsx
+++ b/src/pages/workspace/accounting/PolicyAccountingPage.tsx
@@ -62,6 +62,7 @@ type RouteParams = {
 
 function PolicyAccountingPage({policy}: PolicyAccountingPageProps) {
     const [connectionSyncProgress] = useOnyx(`${ONYXKEYS.COLLECTION.POLICY_CONNECTION_SYNC_PROGRESS}${policy?.id}`);
+    const [cardSettings] = useOnyx(`${ONYXKEYS.COLLECTION.PRIVATE_EXPENSIFY_CARD_SETTINGS}${policy?.workspaceAccountID ?? -1}`);
     const theme = useTheme();
     const styles = useThemeStyles();
     const {translate, datetimeToRelative: getDatetimeToRelative} = useLocalize();
@@ -104,6 +105,7 @@ function PolicyAccountingPage({policy}: PolicyAccountingPageProps) {
     const currentXeroOrganization = findCurrentXeroOrganization(tenants, policy?.connections?.xero?.config?.tenantID);
     const shouldShowSynchronizationError = !!synchronizationError;
     const shouldShowReinstallConnectorMenuItem = shouldShowSynchronizationError && connectedIntegration === CONST.POLICY.CONNECTIONS.NAME.QBD;
+    const shouldShowCardReconciliationOption = policy?.areExpensifyCardsEnabled && cardSettings?.paymentBankAccountID;
 
     const overflowMenu: ThreeDotsMenuProps['menuItems'] = useMemo(
         () => [
@@ -306,14 +308,18 @@ function PolicyAccountingPage({policy}: PolicyAccountingPageProps) {
                 brickRoadIndicator: areSettingsInErrorFields(integrationData?.subscribedExportSettings, integrationData?.errorFields) ? CONST.BRICK_ROAD_INDICATOR_STATUS.ERROR : undefined,
                 pendingAction: settingsPendingAction(integrationData?.subscribedExportSettings, integrationData?.pendingFields),
             },
-            {
-                icon: Expensicons.ExpensifyCard,
-                iconRight: Expensicons.ArrowRight,
-                shouldShowRightIcon: true,
-                title: translate('workspace.accounting.cardReconciliation'),
-                wrapperStyle: [styles.sectionMenuItemTopDescription],
-                onPress: integrationData?.onCardReconciliationPagePress,
-            },
+            ...(shouldShowCardReconciliationOption
+                ? [
+                      {
+                          icon: Expensicons.ExpensifyCard,
+                          iconRight: Expensicons.ArrowRight,
+                          shouldShowRightIcon: true,
+                          title: translate('workspace.accounting.cardReconciliation'),
+                          wrapperStyle: [styles.sectionMenuItemTopDescription],
+                          onPress: integrationData?.onCardReconciliationPagePress,
+                      },
+                  ]
+                : []),
             {
                 icon: Expensicons.Gear,
                 iconRight: Expensicons.ArrowRight,
@@ -326,10 +332,6 @@ function PolicyAccountingPage({policy}: PolicyAccountingPageProps) {
             },
         ];
 
-        if (!policy?.areExpensifyCardsEnabled) {
-            configurationOptions.splice(2, 1);
-        }
-
         return [
             {
                 ...iconProps,
@@ -394,6 +396,7 @@ function PolicyAccountingPage({policy}: PolicyAccountingPageProps) {
         startIntegrationFlow,
         popoverAnchorRefs,
         canUseNetSuiteUSATax,
+        shouldShowCardReconciliationOption,
     ]);
 
     const otherIntegrationsItems = useMemo(() => {
diff --git a/src/pages/workspace/accounting/reconciliation/CardReconciliationPage.tsx b/src/pages/workspace/accounting/reconciliation/CardReconciliationPage.tsx
index 6dc6cd9ebcdb..4eaa300d8f8c 100644
--- a/src/pages/workspace/accounting/reconciliation/CardReconciliationPage.tsx
+++ b/src/pages/workspace/accounting/reconciliation/CardReconciliationPage.tsx
@@ -43,6 +43,7 @@ function CardReconciliationPage({policy, route}: CardReconciliationPageProps) {
     const {connection} = route.params;
     const connectionName = AccountingUtils.getConnectionNameFromRouteParam(connection) as ConnectionName;
     const autoSync = !!policy?.connections?.[connectionName]?.config?.autoSync?.enabled;
+    const shouldShow = policy?.areExpensifyCardsEnabled && cardSettings?.paymentBankAccountID;
 
     const toggleContinuousReconciliation = (value: boolean) => {
         Card.toggleContinuousReconciliation(workspaceAccountID, value, connectionName, currentConnectionName);
@@ -75,6 +76,7 @@ function CardReconciliationPage({policy, route}: CardReconciliationPageProps) {
             policyID={policyID}
             accessVariants={[CONST.POLICY.ACCESS_VARIANTS.ADMIN, CONST.POLICY.ACCESS_VARIANTS.PAID]}
             featureName={CONST.POLICY.MORE_FEATURES.ARE_CONNECTIONS_ENABLED}
+            shouldBeBlocked={!shouldShow}
         >
             <ScreenWrapper
                 includeSafeAreaPaddingBottom={false}