diff --git a/src/CONST/index.ts b/src/CONST/index.ts
index 60a350410ce31..71d4f165a8870 100644
--- a/src/CONST/index.ts
+++ b/src/CONST/index.ts
@@ -3690,6 +3690,9 @@ const CONST = {
         NAME: 'expensifyCard',
         BANK: 'Expensify Card',
         ROUTE: 'expensify-card',
+        CARD_PROGRAM: {
+            CURRENT: 'CURRENT',
+        },
         FRAUD_TYPES: {
             DOMAIN: 'domain',
             INDIVIDUAL: 'individual',
diff --git a/src/libs/CardUtils.ts b/src/libs/CardUtils.ts
index 9456622a03033..8199f8da27f69 100644
--- a/src/libs/CardUtils.ts
+++ b/src/libs/CardUtils.ts
@@ -1084,11 +1084,26 @@ function getCardSettings(cardSettings: OnyxEntry<ExpensifyCardSettings>, feedCou
         return undefined;
     }
 
-    if (feedCountry) {
-        const feedCountryCardSettings = cardSettings[feedCountry as keyof typeof cardSettings];
-        if (feedCountryCardSettings && typeof feedCountryCardSettings === 'object' && !Array.isArray(feedCountryCardSettings)) {
-            return feedCountryCardSettings as ExpensifyCardSettingsBase;
+    const getMergedProgramSettings = (programKey: string): ExpensifyCardSettingsBase | undefined => {
+        const programSettings = cardSettings[programKey as keyof typeof cardSettings];
+        if (programSettings && typeof programSettings === 'object' && !Array.isArray(programSettings)) {
+            // Nested program values take precedence — they are the authoritative source for
+            // program-specific fields once the backend sends the full nested format (Phase 2).
+            return {...cardSettings, ...(programSettings as ExpensifyCardSettingsBase)} as ExpensifyCardSettingsBase;
         }
+        return undefined;
+    };
+
+    if (feedCountry) {
+        return getMergedProgramSettings(feedCountry) ?? cardSettings;
+    }
+
+    // Auto-detect: try known card programs in priority order so callers that
+    // don't pass feedCountry still get the right program sub-object when the
+    // backend sends nested settings (Phase 2 of fixing shared Onyx key).
+    const result = getMergedProgramSettings(CONST.COUNTRY.US) ?? getMergedProgramSettings(CONST.EXPENSIFY_CARD.CARD_PROGRAM.CURRENT) ?? getMergedProgramSettings(CONST.COUNTRY.GB);
+    if (result) {
+        return result;
     }
 
     return cardSettings;
diff --git a/src/types/onyx/ExpensifyCardSettings.ts b/src/types/onyx/ExpensifyCardSettings.ts
index 62c39a29926d3..db4f9fae25e93 100644
--- a/src/types/onyx/ExpensifyCardSettings.ts
+++ b/src/types/onyx/ExpensifyCardSettings.ts
@@ -72,6 +72,12 @@ type ExpensifyCardSettings = OnyxCommon.OnyxValueWithOfflineFeedback<
         /** Nested Expensify Card settings keyed by feed country from backend */
         // eslint-disable-next-line @typescript-eslint/naming-convention
         US?: ExpensifyCardSettingsBase;
+        /** Nested settings for pre-2024 US card program from backend */
+        // eslint-disable-next-line @typescript-eslint/naming-convention
+        CURRENT?: ExpensifyCardSettingsBase;
+        /** Nested settings for UK/EU card program from backend */
+        // eslint-disable-next-line @typescript-eslint/naming-convention
+        GB?: ExpensifyCardSettingsBase;
         /** Nested Travel Invoicing settings from backend */
         // eslint-disable-next-line @typescript-eslint/naming-convention
         TRAVEL_US?: ExpensifyCardSettingsBase;
diff --git a/tests/unit/CardUtilsTest.ts b/tests/unit/CardUtilsTest.ts
index 26c0436397be0..7a8865856ee58 100644
--- a/tests/unit/CardUtilsTest.ts
+++ b/tests/unit/CardUtilsTest.ts
@@ -3245,6 +3245,8 @@ describe('CardUtils', () => {
         } as ExpensifyCardSettings;
 
         const nestedSettings = {
+            domainName: 'example.com',
+            preferredPolicy: 'policyID',
             paymentBankAccountID: 12345,
             limit: 50000,
             US: {
@@ -3268,42 +3270,74 @@ describe('CardUtils', () => {
             expect(getCardSettings(null as unknown as undefined)).toBeUndefined();
         });
 
-        it('should return flat root when feedCountry is not provided', () => {
+        it('should return flat root when feedCountry is not provided and no nested keys exist', () => {
             const result = getCardSettings(flatSettings);
             expect(result).toBe(flatSettings);
         });
 
-        it('should return flat root when feedCountry is undefined', () => {
+        it('should return flat root when feedCountry is undefined and no nested keys exist', () => {
             const result = getCardSettings(flatSettings, undefined);
             expect(result).toBe(flatSettings);
         });
 
-        it('should return nested object when feedCountry matches a nested key', () => {
+        it('should return merged root + nested when feedCountry matches a nested key', () => {
             const result = getCardSettings(nestedSettings, 'US');
-            expect(result).toEqual({
-                paymentBankAccountID: 67890,
-                limit: 30000,
-                currentBalance: 500,
-            });
+            expect(result?.paymentBankAccountID).toBe(67890);
+            expect(result?.limit).toBe(30000);
+            expect(result?.currentBalance).toBe(500);
+            expect(result?.domainName).toBe('example.com');
         });
 
-        it('should fall back to flat root when feedCountry key does not exist', () => {
+        it('should fall back to root when feedCountry key does not exist', () => {
             const result = getCardSettings(nestedSettings, 'CA');
             expect(result).toBe(nestedSettings);
         });
 
-        it('should return TRAVEL_US nested settings when feedCountry is TRAVEL_US', () => {
+        it('should return merged root + TRAVEL_US when feedCountry is TRAVEL_US', () => {
             const result = getCardSettings(nestedSettings, 'TRAVEL_US');
-            expect(result).toEqual({
-                paymentBankAccountID: 11111,
-                isEnabled: true,
-            });
+            expect(result?.paymentBankAccountID).toBe(11111);
+            expect(result?.isEnabled).toBe(true);
+            expect(result?.domainName).toBe('example.com');
         });
 
         it('should not return primitive values as nested settings', () => {
             const result = getCardSettings(nestedSettings, 'limit');
             expect(result).toBe(nestedSettings);
         });
+
+        it('should auto-detect US program when no feedCountry is provided', () => {
+            const result = getCardSettings(nestedSettings);
+            expect(result?.paymentBankAccountID).toBe(67890);
+            expect(result?.limit).toBe(30000);
+            expect(result?.currentBalance).toBe(500);
+            expect(result?.domainName).toBe('example.com');
+        });
+
+        it('should auto-detect GB program when only GB nested key exists', () => {
+            const gbOnlySettings = {
+                domainName: 'uk-example.com',
+                GB: {
+                    paymentBankAccountID: 99999,
+                    limit: 20000,
+                },
+            } as ExpensifyCardSettings;
+            const result = getCardSettings(gbOnlySettings);
+            expect(result?.paymentBankAccountID).toBe(99999);
+            expect(result?.domainName).toBe('uk-example.com');
+        });
+
+        it('should auto-detect CURRENT program for legacy pre-2024 nested format', () => {
+            const currentSettings = {
+                domainName: 'legacy.com',
+                CURRENT: {
+                    paymentBankAccountID: 55555,
+                    limit: 10000,
+                },
+            } as ExpensifyCardSettings;
+            const result = getCardSettings(currentSettings);
+            expect(result?.paymentBankAccountID).toBe(55555);
+            expect(result?.domainName).toBe('legacy.com');
+        });
     });
 });