diff --git a/Library/ViewModels/PostCampaignCheckoutViewModel.swift b/Library/ViewModels/PostCampaignCheckoutViewModel.swift
index c67c4815d2..4054606087 100644
--- a/Library/ViewModels/PostCampaignCheckoutViewModel.swift
+++ b/Library/ViewModels/PostCampaignCheckoutViewModel.swift
@@ -86,6 +86,7 @@ public class PostCampaignCheckoutViewModel: PostCampaignCheckoutViewModelType,
     .skipNil()
 
     let context = initialData.map(\.context)
+    let project = initialData.map(\.project)
     let checkoutId = initialData.map(\.checkoutId)
     let baseReward = initialData.map(\.rewards).map(\.first)
 
@@ -109,14 +110,23 @@ public class PostCampaignCheckoutViewModel: PostCampaignCheckoutViewModelType,
       .map { _ in AppEnvironment.current.currentUser }
       .map(isNotNil)
 
+    let shouldEnablePledgeButton = self.creditCardSelectedProperty.signal.skipNil().mapConst(true)
+
+    let pledgeButtonEnabled = Signal.merge(
+      self.viewDidLoadProperty.signal.mapConst(false),
+      shouldEnablePledgeButton
+    )
+    .skipRepeats()
+
     self.configurePledgeViewCTAContainerView = Signal.combineLatest(
       isLoggedIn,
+      pledgeButtonEnabled,
       context
     )
-    .map { isLoggedIn, context in
+    .map { isLoggedIn, pledgeButtonEnabled, context in
       PledgeViewCTAContainerViewData(
         isLoggedIn: isLoggedIn,
-        isEnabled: true, // Pledge button never needs to be disabled on checkout page.
+        isEnabled: pledgeButtonEnabled,
         context: context,
         willRetryPaymentMethod: false // Only retry in the `fixPaymentMethod` context.
       )
diff --git a/Library/ViewModels/PostCampaignCheckoutViewModelTests.swift b/Library/ViewModels/PostCampaignCheckoutViewModelTests.swift
index 51ba3464f8..cad93a3908 100644
--- a/Library/ViewModels/PostCampaignCheckoutViewModelTests.swift
+++ b/Library/ViewModels/PostCampaignCheckoutViewModelTests.swift
@@ -15,12 +15,23 @@ final class PostCampaignCheckoutViewModelTests: TestCase {
   fileprivate let processingViewIsHidden = TestObserver<Bool, Never>()
   fileprivate let validateCheckoutSuccess = TestObserver<PaymentSourceValidation, Never>()
 
+  private let configurePledgeViewCTAContainerViewIsLoggedIn = TestObserver<Bool, Never>()
+  private let configurePledgeViewCTAContainerViewIsEnabled = TestObserver<Bool, Never>()
+  private let configurePledgeViewCTAContainerViewContext = TestObserver<PledgeViewContext, Never>()
+
   override func setUp() {
     super.setUp()
     self.vm.goToApplePayPaymentAuthorization.observe(self.goToApplePayPaymentAuthorization.observer)
     self.vm.checkoutComplete.observe(self.checkoutComplete.observer)
     self.vm.processingViewIsHidden.observe(self.processingViewIsHidden.observer)
     self.vm.validateCheckoutSuccess.observe(self.validateCheckoutSuccess.observer)
+
+    self.vm.outputs.configurePledgeViewCTAContainerView.map { $0.0 }
+      .observe(self.configurePledgeViewCTAContainerViewIsLoggedIn.observer)
+    self.vm.outputs.configurePledgeViewCTAContainerView.map { $0.1 }
+      .observe(self.configurePledgeViewCTAContainerViewIsEnabled.observer)
+    self.vm.outputs.configurePledgeViewCTAContainerView.map { $0.2 }
+      .observe(self.configurePledgeViewCTAContainerViewContext.observer)
   }
 
   func testApplePayAuthorization_noReward_isCorrect() {
@@ -383,8 +394,14 @@ final class PostCampaignCheckoutViewModelTests: TestCase {
       self.vm.viewDidLoad()
 
       let paymentSource = PaymentSourceSelected.paymentIntentClientSecret("123")
+
       self.vm.inputs
         .creditCardSelected(source: paymentSource, paymentMethodId: "123", isNewPaymentMethod: true)
+
+      self.configurePledgeViewCTAContainerViewIsLoggedIn.assertValues([false, false])
+      self.configurePledgeViewCTAContainerViewIsEnabled.assertValues([false, true])
+      self.configurePledgeViewCTAContainerViewContext.assertValues([.latePledge, .latePledge])
+
       self.vm.inputs.submitButtonTapped()
 
       self.processingViewIsHidden.assertLastValue(false)
@@ -429,6 +446,11 @@ final class PostCampaignCheckoutViewModelTests: TestCase {
       let paymentSource = PaymentSourceSelected.paymentIntentClientSecret("123")
       self.vm.inputs
         .creditCardSelected(source: paymentSource, paymentMethodId: "123", isNewPaymentMethod: true)
+
+      self.configurePledgeViewCTAContainerViewIsLoggedIn.assertValues([false, false])
+      self.configurePledgeViewCTAContainerViewIsEnabled.assertValues([false, true])
+      self.configurePledgeViewCTAContainerViewContext.assertValues([.latePledge, .latePledge])
+
       self.vm.inputs.submitButtonTapped()
 
       self.processingViewIsHidden.assertLastValue(false)
@@ -469,6 +491,11 @@ final class PostCampaignCheckoutViewModelTests: TestCase {
       let paymentSource = PaymentSourceSelected.paymentIntentClientSecret("123")
       self.vm.inputs
         .creditCardSelected(source: paymentSource, paymentMethodId: "123", isNewPaymentMethod: true)
+
+      self.configurePledgeViewCTAContainerViewIsLoggedIn.assertValues([false, false])
+      self.configurePledgeViewCTAContainerViewIsEnabled.assertValues([false, true])
+      self.configurePledgeViewCTAContainerViewContext.assertValues([.latePledge, .latePledge])
+
       self.vm.inputs.submitButtonTapped()
 
       self.processingViewIsHidden.assertLastValue(false)
@@ -483,4 +510,36 @@ final class PostCampaignCheckoutViewModelTests: TestCase {
       self.processingViewIsHidden.assertLastValue(true)
     }
   }
+
+  func testPledgeViewCTA_LoggedIn_State() {
+    let mockService = MockService(serverConfig: ServerConfig.staging)
+
+    withEnvironment(apiService: mockService, currentUser: .template) {
+      let project = Project.cosmicSurgery
+      let reward = Reward.noReward |> Reward.lens.minimum .~ 5
+
+      let data = PostCampaignCheckoutData(
+        project: project,
+        rewards: [reward],
+        selectedQuantities: [:],
+        bonusAmount: 0,
+        total: 5,
+        shipping: nil,
+        refTag: nil,
+        context: .latePledge,
+        checkoutId: "0"
+      )
+
+      self.vm.inputs.configure(with: data)
+      self.vm.inputs.viewDidLoad()
+
+      let paymentSource = PaymentSourceSelected.paymentIntentClientSecret("123")
+      self.vm.inputs
+        .creditCardSelected(source: paymentSource, paymentMethodId: "123", isNewPaymentMethod: true)
+
+      self.configurePledgeViewCTAContainerViewIsLoggedIn.assertValues([true, true])
+      self.configurePledgeViewCTAContainerViewIsEnabled.assertValues([false, true])
+      self.configurePledgeViewCTAContainerViewContext.assertValues([.latePledge, .latePledge])
+    }
+  }
 }