diff --git a/src/pages/settings/Subscription/CardSection/BillingBanner/BillingBanner.tsx b/src/pages/settings/Subscription/CardSection/BillingBanner/BillingBanner.tsx
index 059aede65634..bbb06dac4549 100644
--- a/src/pages/settings/Subscription/CardSection/BillingBanner/BillingBanner.tsx
+++ b/src/pages/settings/Subscription/CardSection/BillingBanner/BillingBanner.tsx
@@ -1,4 +1,4 @@
-import React from 'react';
+import React, {useMemo} from 'react';
 import type {StyleProp, TextStyle, ViewStyle} from 'react-native';
 import {View} from 'react-native';
 import type {ValueOf} from 'type-fest';
@@ -48,30 +48,37 @@ function BillingBanner({title, subtitle, icon, brickRoadIndicator, style, titleS
     const styles = useThemeStyles();
     const theme = useTheme();
 
-    const rightIconComponent = () => {
-        if (!rightIcon) {
-            return null;
-        }
-
-        return onRightIconPress && rightIconAccessibilityLabel ? (
-            <PressableWithoutFeedback
-                onPress={onRightIconPress}
-                style={[styles.touchableButtonImage]}
-                role={CONST.ROLE.BUTTON}
-                accessibilityLabel={rightIconAccessibilityLabel}
-            >
+    const rightIconComponent = useMemo(() => {
+        if (rightIcon) {
+            return onRightIconPress && rightIconAccessibilityLabel ? (
+                <PressableWithoutFeedback
+                    onPress={onRightIconPress}
+                    style={[styles.touchableButtonImage]}
+                    role={CONST.ROLE.BUTTON}
+                    accessibilityLabel={rightIconAccessibilityLabel}
+                >
+                    <Icon
+                        src={rightIcon}
+                        fill={theme.icon}
+                    />
+                </PressableWithoutFeedback>
+            ) : (
                 <Icon
                     src={rightIcon}
                     fill={theme.icon}
                 />
-            </PressableWithoutFeedback>
-        ) : (
-            <Icon
-                src={rightIcon}
-                fill={theme.icon}
-            />
+            );
+        }
+
+        return (
+            !!brickRoadIndicator && (
+                <Icon
+                    src={Expensicons.DotIndicator}
+                    fill={brickRoadIndicator === CONST.BRICK_ROAD_INDICATOR_STATUS.ERROR ? theme.danger : theme.success}
+                />
+            )
         );
-    };
+    }, [brickRoadIndicator, onRightIconPress, rightIcon, rightIconAccessibilityLabel, styles.touchableButtonImage, theme.danger, theme.icon, theme.success]);
 
     return (
         <View style={[styles.pv4, styles.ph5, styles.flexRow, styles.gap3, styles.w100, styles.alignItemsCenter, styles.trialBannerBackgroundColor, style]}>
@@ -85,14 +92,7 @@ function BillingBanner({title, subtitle, icon, brickRoadIndicator, style, titleS
                 {typeof title === 'string' ? <Text style={[styles.textStrong, titleStyle]}>{title}</Text> : title}
                 {typeof subtitle === 'string' ? <Text style={subtitleStyle}>{subtitle}</Text> : subtitle}
             </View>
-            {rightIcon
-                ? rightIconComponent()
-                : !!brickRoadIndicator && (
-                      <Icon
-                          src={Expensicons.DotIndicator}
-                          fill={brickRoadIndicator === CONST.BRICK_ROAD_INDICATOR_STATUS.ERROR ? theme.danger : theme.success}
-                      />
-                  )}
+            {rightIconComponent}
         </View>
     );
 }
diff --git a/src/pages/settings/Subscription/CardSection/CardSection.tsx b/src/pages/settings/Subscription/CardSection/CardSection.tsx
index 05a3841444fd..b5225b14437a 100644
--- a/src/pages/settings/Subscription/CardSection/CardSection.tsx
+++ b/src/pages/settings/Subscription/CardSection/CardSection.tsx
@@ -40,27 +40,15 @@ function CardSection() {
 
     const cardMonth = useMemo(() => DateUtils.getMonthNames(preferredLocale)[(defaultCard?.accountData?.cardMonth ?? 1) - 1], [defaultCard?.accountData?.cardMonth, preferredLocale]);
 
-    const [billingStatus, setBillingStatus] = useState<BillingStatusResult | undefined>(
-        CardSectionUtils.getBillingStatus(translate, defaultCard?.accountData?.cardNumber ?? '', defaultCard?.accountData?.cardMonth ?? 0, defaultCard?.accountData?.cardYear ?? 0),
-    );
+    const [billingStatus, setBillingStatus] = useState<BillingStatusResult | undefined>(CardSectionUtils.getBillingStatus(translate, defaultCard?.accountData ?? {}));
 
     const nextPaymentDate = !isEmptyObject(privateSubscription) ? CardSectionUtils.getNextBillingDate() : undefined;
 
     const sectionSubtitle = defaultCard && !!nextPaymentDate ? translate('subscription.cardSection.cardNextPayment', {nextPaymentDate}) : translate('subscription.cardSection.subtitle');
 
     useEffect(() => {
-        setBillingStatus(
-            CardSectionUtils.getBillingStatus(translate, defaultCard?.accountData?.cardNumber ?? '', defaultCard?.accountData?.cardMonth ?? 0, defaultCard?.accountData?.cardYear ?? 0),
-        );
-    }, [
-        subscriptionRetryBillingStatusPending,
-        subscriptionRetryBillingStatusSuccessful,
-        subscriptionRetryBillingStatusFailed,
-        translate,
-        defaultCard?.accountData?.cardNumber,
-        defaultCard?.accountData?.cardMonth,
-        defaultCard?.accountData?.cardYear,
-    ]);
+        setBillingStatus(CardSectionUtils.getBillingStatus(translate, defaultCard?.accountData ?? {}));
+    }, [subscriptionRetryBillingStatusPending, subscriptionRetryBillingStatusSuccessful, subscriptionRetryBillingStatusFailed, translate, defaultCard?.accountData]);
 
     const handleRetryPayment = () => {
         Subscription.clearOutstandingBalance();
diff --git a/src/pages/settings/Subscription/CardSection/utils.ts b/src/pages/settings/Subscription/CardSection/utils.ts
index 970496ae4a6f..9a797d98e025 100644
--- a/src/pages/settings/Subscription/CardSection/utils.ts
+++ b/src/pages/settings/Subscription/CardSection/utils.ts
@@ -6,6 +6,7 @@ import type {Phrase, PhraseParameters} from '@libs/Localize';
 import * as SubscriptionUtils from '@libs/SubscriptionUtils';
 import CONST from '@src/CONST';
 import type {TranslationPaths} from '@src/languages/types';
+import type {AccountData} from '@src/types/onyx/Fund';
 import type IconAsset from '@src/types/utils/IconAsset';
 
 type BillingStatusResult = {
@@ -21,10 +22,10 @@ type BillingStatusResult = {
 
 function getBillingStatus(
     translate: <TKey extends TranslationPaths>(phraseKey: TKey, ...phraseParameters: PhraseParameters<Phrase<TKey>>) => string,
-    cardEnding: string,
-    cardMonth: number,
-    cardYear: number,
+    accountData?: AccountData,
 ): BillingStatusResult | undefined {
+    const cardEnding = accountData?.cardNumber ?? '';
+
     const amountOwed = SubscriptionUtils.getAmountOwed();
 
     const subscriptionStatus = SubscriptionUtils.getSubscriptionStatus();
@@ -33,7 +34,7 @@ function getBillingStatus(
 
     const endDateFormatted = endDate ? DateUtils.formatWithUTCTimeZone(fromUnixTime(endDate).toUTCString(), CONST.DATE.MONTH_DAY_YEAR_FORMAT) : null;
 
-    const isCurrentCardExpired = DateUtils.isCardExpired(cardMonth, cardYear);
+    const isCurrentCardExpired = DateUtils.isCardExpired(accountData?.cardMonth ?? 0, accountData?.cardYear ?? 0);
 
     switch (subscriptionStatus?.status) {
         case SubscriptionUtils.PAYMENT_STATUS.POLICY_OWNER_WITH_AMOUNT_OWED:
diff --git a/tests/unit/CardsSectionUtilsTest.ts b/tests/unit/CardsSectionUtilsTest.ts
index 9318bced5fda..ca13045c96f7 100644
--- a/tests/unit/CardsSectionUtilsTest.ts
+++ b/tests/unit/CardsSectionUtilsTest.ts
@@ -12,11 +12,14 @@ function translateMock<TKey extends TranslationPaths>(key: TKey, ...phraseParame
     return key;
 }
 
-const CARD_ENDING = '1234';
 const AMOUNT_OWED = 100;
 const GRACE_PERIOD_DATE = 1750819200;
-const CARD_MONTH = 12;
-const CARD_YEAR = 2024;
+
+const ACCOUNT_DATA = {
+    cardNumber: '1234',
+    cardMonth: 12,
+    cardYear: 2024,
+};
 
 const mockGetSubscriptionStatus = jest.fn();
 
@@ -81,7 +84,7 @@ describe('CardSectionUtils', () => {
     });
 
     it('should return undefined by default', () => {
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toBeUndefined();
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toBeUndefined();
     });
 
     it('should return POLICY_OWNER_WITH_AMOUNT_OWED variant', () => {
@@ -89,7 +92,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.POLICY_OWNER_WITH_AMOUNT_OWED,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.policyOwnerAmountOwed.title',
             subtitle: 'subscription.billingBanner.policyOwnerAmountOwed.subtitle',
             isError: true,
@@ -102,7 +105,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.POLICY_OWNER_WITH_AMOUNT_OWED_OVERDUE,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.policyOwnerAmountOwedOverdue.title',
             subtitle: 'subscription.billingBanner.policyOwnerAmountOwedOverdue.subtitle',
             isError: true,
@@ -114,7 +117,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.OWNER_OF_POLICY_UNDER_INVOICING,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.policyOwnerUnderInvoicing.title',
             subtitle: 'subscription.billingBanner.policyOwnerUnderInvoicing.subtitle',
             isError: true,
@@ -127,7 +130,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.OWNER_OF_POLICY_UNDER_INVOICING_OVERDUE,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.policyOwnerUnderInvoicingOverdue.title',
             subtitle: 'subscription.billingBanner.policyOwnerUnderInvoicingOverdue.subtitle',
             isError: true,
@@ -140,7 +143,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.BILLING_DISPUTE_PENDING,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.billingDisputePending.title',
             subtitle: 'subscription.billingBanner.billingDisputePending.subtitle',
             isError: true,
@@ -153,7 +156,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.CARD_AUTHENTICATION_REQUIRED,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.cardAuthenticationRequired.title',
             subtitle: 'subscription.billingBanner.cardAuthenticationRequired.subtitle',
             isError: true,
@@ -166,7 +169,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.INSUFFICIENT_FUNDS,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.insufficientFunds.title',
             subtitle: 'subscription.billingBanner.insufficientFunds.subtitle',
             isError: true,
@@ -179,14 +182,14 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.CARD_EXPIRED,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR - 1)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, {...ACCOUNT_DATA, cardYear: 2023})).toEqual({
             title: 'subscription.billingBanner.cardExpired.title',
             subtitle: 'subscription.billingBanner.cardExpired.subtitle',
             isError: true,
             isRetryAvailable: false,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.cardExpired.title',
             subtitle: 'subscription.billingBanner.cardExpired.subtitle',
             isError: true,
@@ -199,7 +202,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.CARD_EXPIRE_SOON,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.cardExpireSoon.title',
             subtitle: 'subscription.billingBanner.cardExpireSoon.subtitle',
             isError: false,
@@ -212,7 +215,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.RETRY_BILLING_SUCCESS,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.retryBillingSuccess.title',
             subtitle: 'subscription.billingBanner.retryBillingSuccess.subtitle',
             isError: false,
@@ -225,7 +228,7 @@ describe('CardSectionUtils', () => {
             status: PAYMENT_STATUS.RETRY_BILLING_ERROR,
         });
 
-        expect(CardSectionUtils.getBillingStatus(translateMock, CARD_ENDING, CARD_MONTH, CARD_YEAR)).toEqual({
+        expect(CardSectionUtils.getBillingStatus(translateMock, ACCOUNT_DATA)).toEqual({
             title: 'subscription.billingBanner.retryBillingError.title',
             subtitle: 'subscription.billingBanner.retryBillingError.subtitle',
             isError: true,