diff --git a/client/src/components/Nav/Settings.spec.tsx b/client/src/components/Nav/Settings.spec.tsx
index 6472d4ff57..20faef2191 100644
--- a/client/src/components/Nav/Settings.spec.tsx
+++ b/client/src/components/Nav/Settings.spec.tsx
@@ -101,6 +101,16 @@ describe('Settings', () => {
     expect(screen.getByText('com_nav_setting_api_keys')).toBeInTheDocument();
   });
 
+  it('hides the API Keys tab for endpoints with a user-provided baseURL but a fixed API key', () => {
+    mockUseGetEndpointsQuery.mockReturnValue({
+      data: { LiteLLM: { userProvide: false, userProvideURL: true, order: 0 } },
+    });
+
+    renderSettings();
+
+    expect(screen.queryByText('com_nav_setting_api_keys')).not.toBeInTheDocument();
+  });
+
   it('resets the active tab when loaded config disables About', async () => {
     const user = userEvent.setup();
     const { rerender } = renderSettings();
diff --git a/client/src/components/Nav/Settings.tsx b/client/src/components/Nav/Settings.tsx
index 2f49229042..94b863be61 100644
--- a/client/src/components/Nav/Settings.tsx
+++ b/client/src/components/Nav/Settings.tsx
@@ -24,6 +24,7 @@ import {
   APIKeys,
   About,
 } from './SettingsTabs';
+import { isUserProvidedEndpointConfig } from './SettingsTabs/APIKeys/utils';
 import usePersonalizationAccess from '~/hooks/usePersonalizationAccess';
 import { useLocalize, TranslationKeys } from '~/hooks';
 import { useGetEndpointsQuery, useGetStartupConfig } from '~/data-provider';
@@ -45,18 +46,7 @@ export default function Settings({ open, onOpenChange }: TDialogProps) {
     }
     const values = Object.values(endpointsConfig);
     for (let i = 0; i < values.length; i++) {
-      const config = values[i];
-      if (!config) {
-        continue;
-      }
-      if (
-        config.userProvide ||
-        config.userProvideURL ||
-        config.userProvideAccessKeyId ||
-        config.userProvideSecretAccessKey ||
-        config.userProvideSessionToken ||
-        config.userProvideBearerToken
-      ) {
+      if (isUserProvidedEndpointConfig(values[i])) {
         return true;
       }
     }
diff --git a/client/src/components/Nav/SettingsTabs/APIKeys/APIKeyRow.tsx b/client/src/components/Nav/SettingsTabs/APIKeys/APIKeyRow.tsx
index ce9619bb40..8f93a8a5a5 100644
--- a/client/src/components/Nav/SettingsTabs/APIKeys/APIKeyRow.tsx
+++ b/client/src/components/Nav/SettingsTabs/APIKeys/APIKeyRow.tsx
@@ -1,7 +1,7 @@
 import React, { useMemo, useState } from 'react';
 import { Button } from '@librechat/client';
 import { alternateName, getEndpointField } from 'librechat-data-provider';
-import type { EModelEndpoint, TEndpointsConfig } from 'librechat-data-provider';
+import type { TEndpointsConfig } from 'librechat-data-provider';
 import { SetKeyDialog } from '~/components/Input/SetKeyDialog';
 import { icons } from '~/hooks/Endpoint/Icons';
 import { useUserKey, useLocalize } from '~/hooks';
@@ -62,7 +62,7 @@ const APIKeyRow = ({ endpoint, endpointsConfig }: APIKeyRowProps) => {
         <SetKeyDialog
           open={dialogOpen}
           onOpenChange={setDialogOpen}
-          endpoint={endpoint as EModelEndpoint}
+          endpoint={endpoint}
           endpointType={endpointType}
           userProvideURL={getEndpointField(endpointsConfig, endpoint, 'userProvideURL')}
           userProvideAccessKeyId={getEndpointField(
diff --git a/client/src/components/Nav/SettingsTabs/APIKeys/APIKeys.tsx b/client/src/components/Nav/SettingsTabs/APIKeys/APIKeys.tsx
index 3436fab0a2..b4caf0e6bb 100644
--- a/client/src/components/Nav/SettingsTabs/APIKeys/APIKeys.tsx
+++ b/client/src/components/Nav/SettingsTabs/APIKeys/APIKeys.tsx
@@ -1,6 +1,7 @@
 import React, { useMemo } from 'react';
 import { useGetEndpointsQuery } from '~/data-provider';
 import { useLocalize } from '~/hooks';
+import { isUserProvidedEndpointConfig } from './utils';
 import APIKeyRow from './APIKeyRow';
 
 function APIKeys() {
@@ -15,17 +16,7 @@ function APIKeys() {
     const result: string[] = [];
     for (let i = 0; i < entries.length; i++) {
       const [endpoint, config] = entries[i];
-      if (!config) {
-        continue;
-      }
-      if (
-        config.userProvide ||
-        config.userProvideURL ||
-        config.userProvideAccessKeyId ||
-        config.userProvideSecretAccessKey ||
-        config.userProvideSessionToken ||
-        config.userProvideBearerToken
-      ) {
+      if (isUserProvidedEndpointConfig(config)) {
         result.push(endpoint);
       }
     }
diff --git a/client/src/components/Nav/SettingsTabs/APIKeys/utils.ts b/client/src/components/Nav/SettingsTabs/APIKeys/utils.ts
new file mode 100644
index 0000000000..9b872e4114
--- /dev/null
+++ b/client/src/components/Nav/SettingsTabs/APIKeys/utils.ts
@@ -0,0 +1,20 @@
+import type { TConfig } from 'librechat-data-provider';
+
+/**
+ * Whether an endpoint config requires a user-provided credential
+ * (API key or any Bedrock credential field) — i.e. should appear in
+ * the API Keys settings tab. `userProvideURL` is intentionally excluded
+ * since a user-provided base URL alone does not imply a user key.
+ */
+export const isUserProvidedEndpointConfig = (config: TConfig | null | undefined): boolean => {
+  if (!config) {
+    return false;
+  }
+  return (
+    !!config.userProvide ||
+    !!config.userProvideAccessKeyId ||
+    !!config.userProvideSecretAccessKey ||
+    !!config.userProvideSessionToken ||
+    !!config.userProvideBearerToken
+  );
+};