diff --git a/src/libs/actions/ImportTransactions.ts b/src/libs/actions/ImportTransactions.ts
index d8760556313d..bed99a6c2622 100644
--- a/src/libs/actions/ImportTransactions.ts
+++ b/src/libs/actions/ImportTransactions.ts
@@ -191,7 +191,7 @@ function buildTransactionListFromSpreadsheet(spreadsheet: ImportedSpreadsheet, s
 /**
  * Creates an optimistic card object for the imported transactions
  */
-function buildOptimisticCard(cardDisplayName: string, accountID: number): {card: Card; cardID: number} {
+function buildOptimisticCard(cardDisplayName: string, accountID: number, isReimbursable: boolean): {card: Card; cardID: number} {
     const cardID = generateCardID();
     return {
         cardID,
@@ -209,6 +209,9 @@ function buildOptimisticCard(cardDisplayName: string, accountID: number): {card:
             scrapeMinDate: '',
             fraud: CONST.EXPENSIFY_CARD.FRAUD_TYPES.NONE,
             lastUpdated: DateUtils.getDBTime(),
+            // Persist the user's reimbursable selection so the card details toggle matches it immediately,
+            // instead of falling back to the enabled default until the card is re-fetched from the server.
+            reimbursable: isReimbursable,
             nameValuePairs: {
                 cardTitle: cardDisplayName,
             } as Card['nameValuePairs'],
@@ -310,7 +313,7 @@ async function importTransactionsFromCSV(
     if (isAddingToExistingCard) {
         cardID = existingCardID;
     } else {
-        const optimisticCardData = buildOptimisticCard(cardDisplayName, accountID);
+        const optimisticCardData = buildOptimisticCard(cardDisplayName, accountID, isReimbursable);
         cardID = optimisticCardData.cardID;
         optimisticCard = optimisticCardData.card;
     }
diff --git a/tests/unit/ImportTransactions.test.ts b/tests/unit/ImportTransactions.test.ts
index 7cc754ef0930..8e9eb29f9f7d 100644
--- a/tests/unit/ImportTransactions.test.ts
+++ b/tests/unit/ImportTransactions.test.ts
@@ -914,6 +914,17 @@ describe('ImportTransactions', () => {
             getRequiredOnyxUpdate(onyxData, 'optimisticData', ONYXKEYS.CARD_LIST, Onyx.METHOD.MERGE);
         });
 
+        it('stores the reimbursable selection on the optimistic card', async () => {
+            const nonReimbursableSpreadsheet = {...validSpreadsheet, importTransactionSettings: {isReimbursable: false}};
+
+            await importTransactionsFromCSV(nonReimbursableSpreadsheet, CURRENT_USER_ACCOUNT_ID);
+
+            const [, , onyxData] = getRequiredWriteCall(writeSpy.mock.calls, 0);
+            const cardUpdate = getRequiredOnyxUpdate(onyxData, 'optimisticData', ONYXKEYS.CARD_LIST, Onyx.METHOD.MERGE, true);
+            const [optimisticCard] = Object.values(cardUpdate.value);
+            expect(optimisticCard).toEqual(expect.objectContaining({reimbursable: false}));
+        });
+
         it('reuses an existingCardID without queuing an optimistic card', async () => {
             const existingCardID = 987654321;