diff --git a/src/libs/ReportActionsUtils.ts b/src/libs/ReportActionsUtils.ts
index 8d4ffd685861..5f962b3f1480 100644
--- a/src/libs/ReportActionsUtils.ts
+++ b/src/libs/ReportActionsUtils.ts
@@ -800,6 +800,15 @@ function getSortedReportActions(reportActions: ReportAction[] | null, shouldSort
     return sortedActions;
 }
 
+/**
+ * Predicate for IOU actions of type `create`. Used by `getCombinedReportActions` to drop
+ * preview cards we never want to show (on single-transaction reports normally, and on
+ * SendMoney reports where a `type=create` can only be a phantom from OpenReport's orphan path).
+ */
+function isIOUCreateAction(action: ReportAction): boolean {
+    return isMoneyRequestAction(action) && getOriginalMessage(action)?.type === CONST.IOU.REPORT_ACTION_TYPE.CREATE;
+}
+
 /**
  * Returns a sorted and filtered list of report actions from a report and it's associated child
  * transaction thread report in order to correctly display reportActions from both reports in the one-transaction report view.
@@ -807,8 +816,14 @@ function getSortedReportActions(reportActions: ReportAction[] | null, shouldSort
 function getCombinedReportActions(reportActions: ReportAction[], transactionThreadReportID: string | null, transactionThreadReportActions: ReportAction[], isSelfDM = false): ReportAction[] {
     const isSentMoneyReport = reportActions.some((action) => isSentMoneyReportAction(action));
 
-    // We don't want to combine report actions of transaction thread in iou report of send money request because we display the transaction report of send money request as a normal thread
-    if (!transactionThreadReportID || isSentMoneyReport) {
+    // SendMoney reports never legitimately have a `type=create` IOU action — drop any that appear,
+    // since they can only be phantoms synthesized by OpenReport's orphan-thread path.
+    if (isSentMoneyReport) {
+        return reportActions.filter((action) => !isIOUCreateAction(action));
+    }
+
+    // Nothing to combine when there's no transaction thread.
+    if (!transactionThreadReportID) {
         return reportActions;
     }
 
@@ -829,14 +844,16 @@ function getCombinedReportActions(reportActions: ReportAction[], transactionThre
 
     // Filter out request and send money request actions because we don't want to show any preview actions for one transaction reports
     const filteredReportActions = [...filteredParentReportActions, ...filteredTransactionThreadReportActions].filter((action) => {
+        if (isIOUCreateAction(action)) {
+            return false;
+        }
         if (!isMoneyRequestAction(action)) {
             return true;
         }
-        const actionType = getOriginalMessage(action)?.type ?? '';
         if (isSelfDM) {
-            return actionType !== CONST.IOU.REPORT_ACTION_TYPE.CREATE;
+            return true;
         }
-        return actionType !== CONST.IOU.REPORT_ACTION_TYPE.CREATE && actionType !== CONST.IOU.REPORT_ACTION_TYPE.TRACK;
+        return getOriginalMessage(action)?.type !== CONST.IOU.REPORT_ACTION_TYPE.TRACK;
     });
 
     return getSortedReportActions(filteredReportActions, true);
diff --git a/tests/unit/ReportActionsUtilsTest.ts b/tests/unit/ReportActionsUtilsTest.ts
index 67b779baf692..a1e8e5b6f0e5 100644
--- a/tests/unit/ReportActionsUtilsTest.ts
+++ b/tests/unit/ReportActionsUtilsTest.ts
@@ -1566,6 +1566,76 @@ describe('ReportActionsUtils', () => {
         });
     });
 
+    describe('SendMoney phantom type=create filtering', () => {
+        // Modern SendMoney pay action: type=pay AND IOUDetails present. This is what makes
+        // isSentMoneyReportAction() return true and triggers our filter branch.
+        const sendMoneyPayAction = {
+            ...mockIOUAction,
+            reportActionID: 'expense-pay-1',
+            originalMessage: {
+                ...mockOriginalMessage,
+                type: CONST.IOU.TYPE.PAY,
+                IOUDetails: {amount: 100, comment: '', currency: 'USD'},
+                IOUTransactionID: 'txn-1',
+                paymentType: 'Elsewhere',
+            },
+        };
+
+        // Phantom IOU create action that OpenReport synthesizes for legacy SendMoney transactions.
+        const phantomCreateAction = {
+            ...mockIOUAction,
+            reportActionID: 'phantom-create-1',
+            originalMessage: {
+                ...mockOriginalMessage,
+                type: CONST.IOU.TYPE.CREATE,
+                IOUTransactionID: 'txn-1',
+            },
+        };
+
+        // Plain mark-as-paid-elsewhere pay action: type=pay, NO IOUDetails. Does not trigger the
+        // SendMoney filter branch, so type=create actions are not dropped from these reports.
+        const markAsPaidElsewhereAction = {
+            ...mockIOUAction,
+            reportActionID: 'mark-paid-1',
+            originalMessage: {
+                ...mockOriginalMessage,
+                type: CONST.IOU.TYPE.PAY,
+                IOUDetails: undefined,
+                paymentType: 'Elsewhere',
+            },
+        };
+
+        // Legitimate IOU create action used to verify it survives when no SendMoney pay is present.
+        const legitimateCreateAction = {
+            ...mockIOUAction,
+            reportActionID: 'create-1',
+            originalMessage: {
+                ...mockOriginalMessage,
+                type: CONST.IOU.TYPE.CREATE,
+                IOUTransactionID: 'txn-1',
+            },
+        };
+
+        describe('getCombinedReportActions', () => {
+            it('drops type=create IOU actions when a SendMoney pay action is present on the report', () => {
+                const result = getCombinedReportActions([sendMoneyPayAction, phantomCreateAction], 'thread-1', []);
+                expect(result.some((action) => action.reportActionID === sendMoneyPayAction.reportActionID)).toBe(true);
+                expect(result.some((action) => action.reportActionID === phantomCreateAction.reportActionID)).toBe(false);
+            });
+
+            it('keeps type=create when only a plain pay (no IOUDetails) action is present', () => {
+                const result = getCombinedReportActions([markAsPaidElsewhereAction, legitimateCreateAction], null, []);
+                expect(result.some((action) => action.reportActionID === legitimateCreateAction.reportActionID)).toBe(true);
+            });
+
+            it('keeps the SendMoney pay action itself (filter only drops type=create)', () => {
+                const result = getCombinedReportActions([sendMoneyPayAction, phantomCreateAction], 'thread-1', []);
+                const sendMoneyRendered = result.find((action) => action.reportActionID === sendMoneyPayAction.reportActionID);
+                expect(sendMoneyRendered).toBeDefined();
+            });
+        });
+    });
+
     describe('shouldShowAddMissingDetails', () => {
         it('should return true if personal detail is not completed', () => {
             const mockPersonalDetail = {