diff --git a/src/libs/actions/Card.ts b/src/libs/actions/Card.ts
index 556905a54f312..aebd4e8fa0eb1 100644
--- a/src/libs/actions/Card.ts
+++ b/src/libs/actions/Card.ts
@@ -378,8 +378,8 @@ function syncCard(cardID: number, lastScrapeResult?: number, breakConnection?: b
     };
 
     if (breakConnection) {
-        // Simulate "Account not found" error code for testing
-        parameters.breakConnection = 434;
+        // Simulate "Account refresh required" error code for testing
+        parameters.breakConnection = 438;
     }
 
     API.write(WRITE_COMMANDS.SYNC_CARD, parameters, {optimisticData, finallyData, failureData});
diff --git a/src/libs/actions/CompanyCards.ts b/src/libs/actions/CompanyCards.ts
index 4f788066708f8..4439218ab5eff 100644
--- a/src/libs/actions/CompanyCards.ts
+++ b/src/libs/actions/CompanyCards.ts
@@ -585,8 +585,8 @@ function updateWorkspaceCompanyCard(domainOrWorkspaceAccountID: number, cardID:
     };
 
     if (breakConnection) {
-        // Simulate "Account not found" error code for testing
-        parameters.breakConnection = 434;
+        // Simulate "Account refresh required" error code for testing
+        parameters.breakConnection = 438;
     }
 
     API.write(WRITE_COMMANDS.SYNC_CARD, parameters, {optimisticData, finallyData, failureData});
diff --git a/src/pages/settings/Wallet/PersonalCardDetailsPage.tsx b/src/pages/settings/Wallet/PersonalCardDetailsPage.tsx
index c9528ebc1d089..8931ee4a82db4 100644
--- a/src/pages/settings/Wallet/PersonalCardDetailsPage.tsx
+++ b/src/pages/settings/Wallet/PersonalCardDetailsPage.tsx
@@ -16,6 +16,7 @@ import useNetwork from '@hooks/useNetwork';
 import useOnyx from '@hooks/useOnyx';
 import useThemeIllustrations from '@hooks/useThemeIllustrations';
 import useThemeStyles from '@hooks/useThemeStyles';
+import {isUsingStagingApi} from '@libs/ApiUtils';
 import {getCardFeedIcon, isCardConnectionBroken, isPersonalCard} from '@libs/CardUtils';
 import {getLatestErrorField} from '@libs/ErrorUtils';
 import type {PlatformStackScreenProps} from '@libs/Navigation/PlatformStackNavigation/types';
@@ -40,7 +41,7 @@ type PersonalCardDetailsPageProps = PlatformStackScreenProps<SettingsNavigatorPa
 function PersonalCardDetailsPage({route}: PersonalCardDetailsPageProps) {
     const {cardID} = route.params;
     const [customCardNames] = useOnyx(ONYXKEYS.NVP_EXPENSIFY_COMPANY_CARDS_CUSTOM_NAMES);
-    const [shouldUseStagingServer] = useOnyx(ONYXKEYS.SHOULD_USE_STAGING_SERVER);
+    const [shouldUseStagingServer = isUsingStagingApi()] = useOnyx(ONYXKEYS.SHOULD_USE_STAGING_SERVER);
     const [isUnassignModalVisible, setIsUnassignModalVisible] = useState(false);
     const {translate, getLocalDateFromDatetime} = useLocalize();
     const styles = useThemeStyles();
@@ -86,10 +87,10 @@ function PersonalCardDetailsPage({route}: PersonalCardDetailsPageProps) {
         syncCard(card.cardID, card.lastScrapeResult, true);
     };
 
-    // Show "Break connection" option only for Mock Bank cards when the backend API is non-production
+    // Show "Break connection" only when Mock Bank requests target non-production APIs.
     const isMockBank = cardBank.includes(CONST.COMPANY_CARDS.BANK_CONNECTIONS.MOCK_BANK);
-    const isNonProductionBackend = CONFIG.EXPENSIFY.EXPENSIFY_URL.includes('.dev') || CONFIG.EXPENSIFY.EXPENSIFY_URL.includes('staging') || !!shouldUseStagingServer;
-    const shouldShowBreakConnection = isMockBank && isNonProductionBackend;
+    const isUsingNonProductionAPI = shouldUseStagingServer || CONFIG.IS_USING_LOCAL_WEB;
+    const shouldShowBreakConnection = isMockBank && isUsingNonProductionAPI;
 
     const lastScrape = card?.lastScrape
         ? format(getLocalDateFromDatetime(card.lastScrape), CONST.DATE.FNS_DATE_TIME_FORMAT_STRING)
diff --git a/src/pages/workspace/companyCards/WorkspaceCompanyCardDetailsPage.tsx b/src/pages/workspace/companyCards/WorkspaceCompanyCardDetailsPage.tsx
index b61547bbf84bd..6cfaa1498d1aa 100644
--- a/src/pages/workspace/companyCards/WorkspaceCompanyCardDetailsPage.tsx
+++ b/src/pages/workspace/companyCards/WorkspaceCompanyCardDetailsPage.tsx
@@ -23,6 +23,7 @@ import usePolicy from '@hooks/usePolicy';
 import useStyleUtils from '@hooks/useStyleUtils';
 import useThemeIllustrations from '@hooks/useThemeIllustrations';
 import useThemeStyles from '@hooks/useThemeStyles';
+import {isUsingStagingApi} from '@libs/ApiUtils';
 import {getCardFeedIcon, getCompanyCardFeed, getCompanyFeeds, getDefaultCardName, getDomainOrWorkspaceAccountID, getPlaidInstitutionIconUrl, maskCardNumber} from '@libs/CardUtils';
 import {getLatestErrorField} from '@libs/ErrorUtils';
 import type {PlatformStackScreenProps} from '@libs/Navigation/PlatformStackNavigation/types';
@@ -53,7 +54,7 @@ function WorkspaceCompanyCardDetailsPage({route}: WorkspaceCompanyCardDetailsPag
     const bank = getCompanyCardFeed(feedName);
     const [connectionSyncProgress] = useOnyx(`${ONYXKEYS.COLLECTION.POLICY_CONNECTION_SYNC_PROGRESS}${policyID}`);
     const [customCardNames] = useOnyx(ONYXKEYS.NVP_EXPENSIFY_COMPANY_CARDS_CUSTOM_NAMES);
-    const [shouldUseStagingServer] = useOnyx(ONYXKEYS.SHOULD_USE_STAGING_SERVER);
+    const [shouldUseStagingServer = isUsingStagingApi()] = useOnyx(ONYXKEYS.SHOULD_USE_STAGING_SERVER);
     const policy = usePolicy(policyID);
     const workspaceAccountID = policy?.workspaceAccountID ?? CONST.DEFAULT_NUMBER_ID;
     const [isUnassignModalVisible, setIsUnassignModalVisible] = useState(false);
@@ -109,10 +110,10 @@ function WorkspaceCompanyCardDetailsPage({route}: WorkspaceCompanyCardDetailsPag
         updateWorkspaceCompanyCard(domainOrWorkspaceAccountID, cardID, bank, card?.lastScrapeResult, true);
     };
 
-    // Show "Break connection" option only for Mock Bank cards when the backend API is non-production
+    // Show "Break connection" only when Mock Bank requests target non-production APIs.
     const isMockBank = bank?.includes(CONST.COMPANY_CARDS.BANK_CONNECTIONS.MOCK_BANK);
-    const isNonProductionBackend = CONFIG.EXPENSIFY.EXPENSIFY_URL.includes('.dev') || CONFIG.EXPENSIFY.EXPENSIFY_URL.includes('staging') || !!shouldUseStagingServer;
-    const shouldShowBreakConnection = isMockBank && isNonProductionBackend;
+    const isUsingNonProductionAPI = shouldUseStagingServer || CONFIG.IS_USING_LOCAL_WEB;
+    const shouldShowBreakConnection = isMockBank && isUsingNonProductionAPI;
 
     const lastScrape = useMemo(() => {
         if (!card?.lastScrape) {