diff --git a/src/pages/workspace/expensifyCard/WorkspaceExpensifyCardPageEmptyState.tsx b/src/pages/workspace/expensifyCard/WorkspaceExpensifyCardPageEmptyState.tsx
index 9c7c890ff5d3..6ec72aab94e9 100644
--- a/src/pages/workspace/expensifyCard/WorkspaceExpensifyCardPageEmptyState.tsx
+++ b/src/pages/workspace/expensifyCard/WorkspaceExpensifyCardPageEmptyState.tsx
@@ -18,7 +18,7 @@ import useWindowDimensions from '@hooks/useWindowDimensions';
 import {getEligibleBankAccountsForCard, getEligibleBankAccountsForUkEuCard} from '@libs/CardUtils';
 import type {PlatformStackScreenProps} from '@libs/Navigation/PlatformStackNavigation/types';
 import type {WorkspaceSplitNavigatorParamList} from '@libs/Navigation/types';
-import {REIMBURSEMENT_ACCOUNT_ROUTE_NAMES} from '@libs/ReimbursementAccountUtils';
+import {hasInProgressUSDVBBA, REIMBURSEMENT_ACCOUNT_ROUTE_NAMES} from '@libs/ReimbursementAccountUtils';
 import Navigation from '@navigation/Navigation';
 import type {WithPolicyAndFullscreenLoadingProps} from '@pages/workspace/withPolicyAndFullscreenLoading';
 import withPolicyAndFullscreenLoading from '@pages/workspace/withPolicyAndFullscreenLoading';
@@ -29,7 +29,6 @@ import CONST from '@src/CONST';
 import ONYXKEYS from '@src/ONYXKEYS';
 import ROUTES from '@src/ROUTES';
 import type SCREENS from '@src/SCREENS';
-import {isEmptyObject} from '@src/types/utils/EmptyObject';
 
 type WorkspaceExpensifyCardPageEmptyStateProps = {
     route: PlatformStackScreenProps<WorkspaceSplitNavigatorParamList, typeof SCREENS.WORKSPACE.EXPENSIFY_CARD>['route'];
@@ -48,8 +47,7 @@ function WorkspaceExpensifyCardPageEmptyState({route, policy}: WorkspaceExpensif
     const {isActingAsDelegate, showDelegateNoAccessModal} = useContext(DelegateNoAccessContext);
     const {isAccountLocked, showLockedAccountModal} = useContext(LockedAccountContext);
 
-    const reimbursementAccountStatus = reimbursementAccount?.achData?.state ?? '';
-    const isSetupUnfinished = isEmptyObject(bankAccountList) && reimbursementAccountStatus && reimbursementAccountStatus !== CONST.BANK_ACCOUNT.STATE.OPEN;
+    const isSetupUnfinished = hasInProgressUSDVBBA(reimbursementAccount?.achData);
     const isUkEuCurrencySupported = useExpensifyCardUkEuSupported(policy?.id);
 
     const eligibleBankAccounts = isUkEuCurrencySupported ? getEligibleBankAccountsForUkEuCard(bankAccountList, policy?.outputCurrency) : getEligibleBankAccountsForCard(bankAccountList);