diff --git a/modules/ppcp-button/resources/js/button.js b/modules/ppcp-button/resources/js/button.js
index d252c4392..505fa60af 100644
--- a/modules/ppcp-button/resources/js/button.js
+++ b/modules/ppcp-button/resources/js/button.js
@@ -216,7 +216,10 @@ const bootstrap = () => {
 		spinner
 	);
 	if ( typeof paypal.CardFields !== 'undefined' ) {
-		if ( PayPalCommerceGateway.is_free_trial_cart ) {
+		if (
+			PayPalCommerceGateway.is_free_trial_cart &&
+			PayPalCommerceGateway.user?.has_wc_card_payment_tokens !== true
+		) {
 			creditCardRenderer = new CardFieldsFreeTrialRenderer(
 				PayPalCommerceGateway,
 				errorHandler,
diff --git a/modules/ppcp-button/src/Assets/SmartButton.php b/modules/ppcp-button/src/Assets/SmartButton.php
index 4b309818e..43acaa81a 100644
--- a/modules/ppcp-button/src/Assets/SmartButton.php
+++ b/modules/ppcp-button/src/Assets/SmartButton.php
@@ -12,6 +12,7 @@ namespace WooCommerce\PayPalCommerce\Button\Assets;
 use Exception;
 use Psr\Log\LoggerInterface;
 use WC_Order;
+use WC_Payment_Tokens;
 use WC_Product;
 use WC_Product_Variation;
 use WooCommerce\PayPalCommerce\ApiClient\Endpoint\PaymentTokensEndpoint;
@@ -1293,6 +1294,7 @@ document.querySelector("#payment").before(document.querySelector(".ppcp-messages
 			'funding_sources_without_redirect'        => $this->funding_sources_without_redirect,
 			'user'                                    => array(
 				'is_logged' => is_user_logged_in(),
+				'has_wc_card_payment_tokens' => $this->user_has_wc_card_payment_tokens(get_current_user_id()),
 			),
 			'should_handle_shipping_in_paypal'        => $this->should_handle_shipping_in_paypal && ! $this->is_checkout(),
 			'vaultingEnabled'                         => $this->settings->has( 'vault_enabled' ) && $this->settings->get( 'vault_enabled' ),
@@ -2132,4 +2134,19 @@ document.querySelector("#payment").before(document.querySelector(".ppcp-messages
 				return $location;
 		}
 	}
+
+	/**
+	 * Whether the given user has WC card payment tokens.
+	 *
+	 * @param int $user_id
+	 * @return bool
+	 */
+	private function user_has_wc_card_payment_tokens(int $user_id): bool {
+		$tokens = WC_Payment_Tokens::get_customer_tokens( $user_id, CreditCardGateway::ID );
+		if($tokens) {
+			return true;
+		}
+
+		return false;
+	}
 }