diff --git a/src/components/MoneyReportHeader.tsx b/src/components/MoneyReportHeader.tsx
index 32389fca5c77..1d6c3fe4cfba 100644
--- a/src/components/MoneyReportHeader.tsx
+++ b/src/components/MoneyReportHeader.tsx
@@ -176,7 +176,8 @@ function MoneyReportHeader({policy, report: moneyRequestReport, transactionThrea
 
     const isAdmin = policy?.role === CONST.POLICY.ROLE.ADMIN;
 
-    const shouldShowSubmitButton = canSubmitReport(moneyRequestReport, policy, transactionIDs);
+    const filteredTransactions = transactions?.filter((t) => t) ?? [];
+    const shouldShowSubmitButton = canSubmitReport(moneyRequestReport, policy, filteredTransactions);
 
     const shouldShowExportIntegrationButton = !shouldShowPayButton && !shouldShowSubmitButton && connectedIntegration && isAdmin && canBeExported(moneyRequestReport);
 
diff --git a/src/components/ReportActionItem/ReportPreview.tsx b/src/components/ReportActionItem/ReportPreview.tsx
index 3a2220515a9c..e975bcb94481 100644
--- a/src/components/ReportActionItem/ReportPreview.tsx
+++ b/src/components/ReportActionItem/ReportPreview.tsx
@@ -237,8 +237,8 @@ function ReportPreview({
     const lastThreeTransactions = transactions?.slice(-3) ?? [];
     const lastTransaction = transactions?.at(0);
     const lastThreeReceipts = lastThreeTransactions.map((transaction) => ({...getThumbnailAndImageURIs(transaction), transaction}));
+    const transactionIDList = transactions?.map((reportTransaction) => reportTransaction.transactionID) ?? [];
     const showRTERViolationMessage = numberOfRequests === 1 && hasPendingUI(lastTransaction, getTransactionViolations(lastTransaction?.transactionID, transactionViolations));
-    const transactionIDList = [lastTransaction?.transactionID].filter((transactionID): transactionID is string => transactionID !== undefined);
     const shouldShowBrokenConnectionViolation = numberOfRequests === 1 && shouldShowBrokenConnectionViolationTransactionUtils(transactionIDList, iouReport, policy);
     let formattedMerchant = numberOfRequests === 1 ? getMerchant(lastTransaction) : null;
     const formattedDescription = numberOfRequests === 1 ? getDescription(lastTransaction) : null;
@@ -249,7 +249,8 @@ function ReportPreview({
 
     const isArchived = isArchivedReportWithID(iouReport?.reportID);
     const isAdmin = policy?.role === CONST.POLICY.ROLE.ADMIN;
-    const shouldShowSubmitButton = canSubmitReport(iouReport, policy, transactionIDList, transactionViolations);
+    const filteredTransactions = transactions?.filter((transaction) => transaction) ?? [];
+    const shouldShowSubmitButton = canSubmitReport(iouReport, policy, filteredTransactions, transactionViolations);
 
     const shouldDisableSubmitButton = shouldShowSubmitButton && !isAllowedToSubmitDraftExpenseReport(iouReport);
 
diff --git a/src/libs/SearchUIUtils.ts b/src/libs/SearchUIUtils.ts
index 58dcf4932b71..f47a0d56001d 100644
--- a/src/libs/SearchUIUtils.ts
+++ b/src/libs/SearchUIUtils.ts
@@ -340,8 +340,7 @@ function getAction(data: OnyxTypes.SearchResults['data'], key: string): SearchTr
     }
 
     // We check for isAllowedToApproveExpenseReport because if the policy has preventSelfApprovals enabled, we disable the Submit action and in that case we want to show the View action instead
-    const transactionIDList = allReportTransactions.map((reportTransaction) => reportTransaction.transactionID);
-    if (canSubmitReport(report, policy, transactionIDList, allViolations) && isAllowedToApproveExpenseReport) {
+    if (canSubmitReport(report, policy, allReportTransactions, allViolations) && isAllowedToApproveExpenseReport) {
         return CONST.SEARCH.ACTION_TYPES.SUBMIT;
     }
 
diff --git a/src/libs/actions/IOU.ts b/src/libs/actions/IOU.ts
index b6ce81b0a3d4..8ef4acfa3934 100644
--- a/src/libs/actions/IOU.ts
+++ b/src/libs/actions/IOU.ts
@@ -145,9 +145,13 @@ import {
     getTransaction,
     getUpdatedTransaction,
     hasReceipt as hasReceiptTransactionUtils,
+    isAmountMissing,
     isDistanceRequest as isDistanceRequestTransactionUtils,
+    isExpensifyCardTransaction,
     isFetchingWaypointsFromServer,
     isOnHold,
+    isPartialMerchant,
+    isPending,
     isPerDiemRequest as isPerDiemRequestTransactionUtils,
     isReceiptBeingScanned as isReceiptBeingScannedTransactionUtils,
     isScanRequest as isScanRequestTransactionUtils,
@@ -7913,21 +7917,25 @@ function canIOUBePaid(
 function canSubmitReport(
     report: OnyxEntry<OnyxTypes.Report> | SearchReport,
     policy: OnyxEntry<OnyxTypes.Policy> | SearchPolicy,
-    transactionIDList: string[],
+    transactions: OnyxTypes.Transaction[] | SearchTransaction[],
     allViolations?: OnyxCollection<OnyxTypes.TransactionViolations>,
 ) {
     const currentUserAccountID = getCurrentUserAccountID();
     const isOpenExpenseReport = isOpenExpenseReportReportUtils(report);
     const isArchived = isArchivedReportWithID(report?.reportID);
-    const {reimbursableSpend} = getMoneyRequestSpendBreakdown(report);
     const isAdmin = policy?.role === CONST.POLICY.ROLE.ADMIN;
+    const transactionIDList = transactions.map((transaction) => transaction.transactionID);
     const hasAllPendingRTERViolations = allHavePendingRTERViolation(transactionIDList, allViolations);
     const hasBrokenConnectionViolation = shouldShowBrokenConnectionViolation(transactionIDList, report, policy, allViolations);
 
+    const hasOnlyPendingCardOrScanFailTransactions =
+        transactions.length > 0 &&
+        transactions.every((t) => (isExpensifyCardTransaction(t) && isPending(t)) || (isPartialMerchant(getMerchant(t)) && isAmountMissing(t)) || isReceiptBeingScannedTransactionUtils(t));
+
     return (
         isOpenExpenseReport &&
         !isArchived &&
-        reimbursableSpend !== 0 &&
+        !hasOnlyPendingCardOrScanFailTransactions &&
         !hasAllPendingRTERViolations &&
         !hasBrokenConnectionViolation &&
         (report?.ownerAccountID === currentUserAccountID || isAdmin || report?.managerID === currentUserAccountID)