diff --git a/apps/web/src/app/vault/individual-vault/add-edit.component.ts b/apps/web/src/app/vault/individual-vault/add-edit.component.ts
index 71ccaab7dd..d1b51b611f 100644
--- a/apps/web/src/app/vault/individual-vault/add-edit.component.ts
+++ b/apps/web/src/app/vault/individual-vault/add-edit.component.ts
@@ -24,7 +24,7 @@ import { FolderService } from "@bitwarden/common/vault/abstractions/folder/folde
 import { TotpService } from "@bitwarden/common/vault/abstractions/totp.service";
 import { CipherType } from "@bitwarden/common/vault/enums";
 import { Launchable } from "@bitwarden/common/vault/interfaces/launchable";
-import { CardView } from "@bitwarden/common/vault/models/view/card.view";
+import { isCardExpired } from "@bitwarden/common/vault/utils";
 import { DialogService } from "@bitwarden/components";
 import { PasswordGenerationServiceAbstraction } from "@bitwarden/generator-legacy";
 import { PasswordRepromptService } from "@bitwarden/vault";
@@ -123,7 +123,7 @@ export class AddEditComponent extends BaseAddEditComponent implements OnInit, On
       this.configService.getFeatureFlag$(FeatureFlag.ExtensionRefresh),
     );
 
-    this.cardIsExpired = extensionRefreshEnabled && this.isCardExpiryInThePast();
+    this.cardIsExpired = extensionRefreshEnabled && isCardExpired(this.cipher.card);
   }
 
   ngOnDestroy() {
@@ -235,24 +235,6 @@ export class AddEditComponent extends BaseAddEditComponent implements OnInit, On
     this.viewingPasswordHistory = !this.viewingPasswordHistory;
   }
 
-  isCardExpiryInThePast() {
-    if (this.cipher.card) {
-      const { expMonth, expYear }: CardView = this.cipher.card;
-
-      if (expYear && expMonth) {
-        // `Date` months are zero-indexed
-        const parsedMonth = parseInt(expMonth) - 1;
-        const parsedYear = parseInt(expYear);
-
-        // First day of the next month minus one, to get last day of the card month
-        const cardExpiry = new Date(parsedYear, parsedMonth + 1, 0);
-        const now = new Date();
-
-        return cardExpiry < now;
-      }
-    }
-  }
-
   protected cleanUp() {
     if (this.totpInterval) {
       window.clearInterval(this.totpInterval);
diff --git a/libs/common/src/vault/utils.spec.ts b/libs/common/src/vault/utils.spec.ts
index 1cb185cffd..54ec66984e 100644
--- a/libs/common/src/vault/utils.spec.ts
+++ b/libs/common/src/vault/utils.spec.ts
@@ -1,4 +1,5 @@
-import { normalizeExpiryYearFormat } from "@bitwarden/common/vault/utils";
+import { CardView } from "@bitwarden/common/vault/models/view/card.view";
+import { normalizeExpiryYearFormat, isCardExpired } from "@bitwarden/common/vault/utils";
 
 function getExpiryYearValueFormats(currentCentury: string) {
   return [
@@ -72,3 +73,50 @@ describe("normalizeExpiryYearFormat", () => {
     jest.clearAllTimers();
   });
 });
+
+function getCardExpiryDateValues() {
+  const currentDate = new Date();
+
+  const currentYear = currentDate.getFullYear();
+
+  // `Date` months are zero-indexed, our expiry date month inputs are one-indexed
+  const currentMonth = currentDate.getMonth() + 1;
+
+  return [
+    [null, null, false], // no month, no year
+    [undefined, undefined, false], // no month, no year, invalid values
+    ["", "", false], // no month, no year, invalid values
+    ["12", "agdredg42grg35grrr. ea3534@#^145345ag$%^  -_#$rdg ", false], // invalid values
+    ["0", `${currentYear - 1}`, true], // invalid 0 month
+    ["00", `${currentYear + 1}`, false], // invalid 0 month
+    [`${currentMonth}`, "0000", true], // current month, in the year 2000
+    [null, `${currentYear}`.slice(-2), false], // no month, this year
+    [null, `${currentYear - 1}`.slice(-2), true], // no month, last year
+    ["1", null, false], // no year, January
+    ["1", `${currentYear - 1}`, true], // January last year
+    ["13", `${currentYear}`, false], // 12 + 1 is Feb. in the next year (Date is zero-indexed)
+    [`${currentMonth + 36}`, `${currentYear - 1}`, true], // even though the month value would put the date 3 years into the future when calculated with `Date`, an explicit year in the past indicates the card is expired
+    [`${currentMonth}`, `${currentYear}`, false], // this year, this month (not expired until the month is over)
+    [`${currentMonth}`, `${currentYear}`.slice(-2), false], // This month, this year (not expired until the month is over)
+    [`${currentMonth - 1}`, `${currentYear}`, true], // last month
+    [`${currentMonth - 1}`, `${currentYear + 1}`, false], // 11 months from now
+  ];
+}
+
+describe("isCardExpired", () => {
+  const expiryYearValueFormats = getCardExpiryDateValues();
+
+  expiryYearValueFormats.forEach(
+    ([inputMonth, inputYear, expectedValue]: [string | null, string | null, boolean]) => {
+      it(`should return ${expectedValue} when the card expiry month is ${inputMonth} and the card expiry year is ${inputYear}`, () => {
+        const testCardView = new CardView();
+        testCardView.expMonth = inputMonth;
+        testCardView.expYear = inputYear;
+
+        const cardIsExpired = isCardExpired(testCardView);
+
+        expect(cardIsExpired).toBe(expectedValue);
+      });
+    },
+  );
+});
diff --git a/libs/common/src/vault/utils.ts b/libs/common/src/vault/utils.ts
index 7fed4abc12..7d8784eda7 100644
--- a/libs/common/src/vault/utils.ts
+++ b/libs/common/src/vault/utils.ts
@@ -1,3 +1,5 @@
+import { CardView } from "@bitwarden/common/vault/models/view/card.view";
+
 type NonZeroIntegers = 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9;
 type Year = `${NonZeroIntegers}${NonZeroIntegers}${0 | NonZeroIntegers}${0 | NonZeroIntegers}`;
 
@@ -40,3 +42,42 @@ export function normalizeExpiryYearFormat(yearInput: string | number): Year | nu
 
   return expirationYear as Year | null;
 }
+
+/**
+ * Takes a cipher card view and returns "true" if the month and year affirmativey indicate
+ * the card is expired.
+ *
+ * @export
+ * @param {CardView} cipherCard
+ * @return {*}  {boolean}
+ */
+export function isCardExpired(cipherCard: CardView): boolean {
+  if (cipherCard) {
+    const { expMonth = null, expYear = null } = cipherCard;
+
+    const now = new Date();
+    const normalizedYear = normalizeExpiryYearFormat(expYear);
+
+    // If the card year is before the current year, don't bother checking the month
+    if (normalizedYear && parseInt(normalizedYear) < now.getFullYear()) {
+      return true;
+    }
+
+    if (normalizedYear && expMonth) {
+      // `Date` months are zero-indexed
+      const parsedMonth =
+        parseInt(expMonth) - 1 ||
+        // Add a month floor of 0 to protect against an invalid low month value of "0"
+        0;
+
+      const parsedYear = parseInt(normalizedYear);
+
+      // First day of the next month minus one, to get last day of the card month
+      const cardExpiry = new Date(parsedYear, parsedMonth + 1, 0);
+
+      return cardExpiry < now;
+    }
+  }
+
+  return false;
+}
diff --git a/libs/vault/src/cipher-view/cipher-view.component.ts b/libs/vault/src/cipher-view/cipher-view.component.ts
index e737e43f35..10701083b7 100644
--- a/libs/vault/src/cipher-view/cipher-view.component.ts
+++ b/libs/vault/src/cipher-view/cipher-view.component.ts
@@ -8,10 +8,10 @@ import { Organization } from "@bitwarden/common/admin-console/models/domain/orga
 import { CollectionId } from "@bitwarden/common/types/guid";
 import { CollectionService } from "@bitwarden/common/vault/abstractions/collection.service";
 import { FolderService } from "@bitwarden/common/vault/abstractions/folder/folder.service.abstraction";
-import { CardView } from "@bitwarden/common/vault/models/view/card.view";
 import { CipherView } from "@bitwarden/common/vault/models/view/cipher.view";
 import { CollectionView } from "@bitwarden/common/vault/models/view/collection.view";
 import { FolderView } from "@bitwarden/common/vault/models/view/folder.view";
+import { isCardExpired } from "@bitwarden/common/vault/utils";
 import { SearchModule, CalloutModule } from "@bitwarden/components";
 
 import { AdditionalOptionsComponent } from "./additional-options/additional-options.component";
@@ -61,7 +61,7 @@ export class CipherViewComponent implements OnInit, OnDestroy {
   async ngOnInit() {
     await this.loadCipherData();
 
-    this.cardIsExpired = this.isCardExpiryInThePast();
+    this.cardIsExpired = isCardExpired(this.cipher.card);
   }
 
   ngOnDestroy(): void {
@@ -102,24 +102,4 @@ export class CipherViewComponent implements OnInit, OnDestroy {
         .pipe(takeUntil(this.destroyed$));
     }
   }
-
-  isCardExpiryInThePast() {
-    if (this.cipher.card) {
-      const { expMonth, expYear }: CardView = this.cipher.card;
-
-      if (expYear && expMonth) {
-        // `Date` months are zero-indexed
-        const parsedMonth = parseInt(expMonth) - 1;
-        const parsedYear = parseInt(expYear);
-
-        // First day of the next month minus one, to get last day of the card month
-        const cardExpiry = new Date(parsedYear, parsedMonth + 1, 0);
-        const now = new Date();
-
-        return cardExpiry < now;
-      }
-    }
-
-    return false;
-  }
 }