diff --git a/src/libs/ReportPrimaryActionUtils.ts b/src/libs/ReportPrimaryActionUtils.ts
index be2e8682ad76..4671c8c9c35a 100644
--- a/src/libs/ReportPrimaryActionUtils.ts
+++ b/src/libs/ReportPrimaryActionUtils.ts
@@ -134,7 +134,8 @@ function isSubmitAction(
 
     const reportTransactionsList = reportTransactions ?? [];
     const hasNoSubmittableTransaction =
-        reportTransactionsList.length > 0 && reportTransactionsList.every((transaction) => isScanning(transaction) || hasSmartScanFailedWithMissingFields([transaction], report));
+        reportTransactionsList.length > 0 &&
+        reportTransactionsList.every((transaction) => isScanning(transaction) || isPending(transaction) || hasSmartScanFailedWithMissingFields([transaction], report));
 
     if (hasNoSubmittableTransaction) {
         return false;
diff --git a/tests/unit/TodosUtilsTest.ts b/tests/unit/TodosUtilsTest.ts
index 8fbd4258ba2b..c774aa5d12e3 100644
--- a/tests/unit/TodosUtilsTest.ts
+++ b/tests/unit/TodosUtilsTest.ts
@@ -248,6 +248,25 @@ describe('TodosUtils', () => {
             expect(result.reportsToSubmit).toEqual([]);
         });
 
+        it('excludes a report whose expenses are all pending card transactions', () => {
+            const pendingOverride: Partial<Transaction> = {status: CONST.TRANSACTION.STATUS.PENDING};
+            const submitReport = createMockReport('pending_submit', {
+                stateNum: CONST.REPORT.STATE_NUM.OPEN,
+                statusNum: CONST.REPORT.STATUS_NUM.OPEN,
+                ownerAccountID: CURRENT_USER_ACCOUNT_ID,
+            });
+            const policy = createMockPolicy(POLICY_ID, {role: CONST.POLICY.ROLE.ADMIN, ownerAccountID: CURRENT_USER_ACCOUNT_ID});
+
+            const result = createTodosReportsAndTransactions({
+                ...baseParams,
+                allReports: toReportsCollection([submitReport]),
+                allTransactions: toTransactionsCollection([createMockTransaction('trans_pending', 'pending_submit', pendingOverride)]),
+                allPolicies: toPoliciesCollection([policy]),
+            });
+
+            expect(result.reportsToSubmit).toEqual([]);
+        });
+
         it('ignores non-expense reports', () => {
             const chatReport = createMockReport('chat_report', {type: CONST.REPORT.TYPE.CHAT, ownerAccountID: CURRENT_USER_ACCOUNT_ID});
             const policy = createMockPolicy(POLICY_ID, {role: CONST.POLICY.ROLE.ADMIN, ownerAccountID: CURRENT_USER_ACCOUNT_ID});
@@ -319,5 +338,24 @@ describe('TodosUtils', () => {
 
             expect(result.reports).toEqual([]);
         });
+
+        it('excludes a report whose expenses are all pending card transactions from its bucket', () => {
+            const pendingOverride: Partial<Transaction> = {status: CONST.TRANSACTION.STATUS.PENDING};
+            const submitReport = createMockReport('pending_submit', {
+                stateNum: CONST.REPORT.STATE_NUM.OPEN,
+                statusNum: CONST.REPORT.STATUS_NUM.OPEN,
+                ownerAccountID: CURRENT_USER_ACCOUNT_ID,
+            });
+            const policy = createMockPolicy(POLICY_ID, {role: CONST.POLICY.ROLE.ADMIN, ownerAccountID: CURRENT_USER_ACCOUNT_ID});
+
+            const result = getTodoReportsForSearchKey(CONST.SEARCH.SEARCH_KEYS.SUBMIT, {
+                ...baseParams,
+                allReports: toReportsCollection([submitReport]),
+                allTransactions: toTransactionsCollection([createMockTransaction('trans_pending', 'pending_submit', pendingOverride)]),
+                allPolicies: toPoliciesCollection([policy]),
+            });
+
+            expect(result.reports).toEqual([]);
+        });
     });
 });