diff --git a/src/main/java/com/friends/easybud/transaction/converter/TransactionConverter.java b/src/main/java/com/friends/easybud/transaction/converter/TransactionConverter.java
index 401fdd3..de69e4d 100644
--- a/src/main/java/com/friends/easybud/transaction/converter/TransactionConverter.java
+++ b/src/main/java/com/friends/easybud/transaction/converter/TransactionConverter.java
@@ -49,8 +49,6 @@ public static AccountDto toAccountDto(Account account) {
         String secondaryCategoryContent = null;
         Long tertiaryCategoryId = null;
         String tertiaryCategoryContent = null;
-        Long cardId = null;
-        String cardName = null;
 
         if (account.getTertiaryCategory() != null) {
             primaryCategoryId = account.getTertiaryCategory().getId();
@@ -66,8 +64,8 @@ public static AccountDto toAccountDto(Account account) {
             primaryCategoryContent = "부채";
             secondaryCategoryId = 8L;
             secondaryCategoryContent = "카드대금";
-            cardId = account.getCard().getId();
-            cardName = account.getCard().getName();
+            tertiaryCategoryId = account.getCard().getId();
+            tertiaryCategoryContent = account.getCard().getName();
         }
 
         return AccountDto.builder()
@@ -79,8 +77,6 @@ public static AccountDto toAccountDto(Account account) {
                 .secondaryCategoryContent(secondaryCategoryContent)
                 .tertiaryCategoryId(tertiaryCategoryId)
                 .tertiaryCategoryContent(tertiaryCategoryContent)
-                .cardId(cardId)
-                .cardName(cardName)
                 .amount(account.getAmount())
                 .build();
 
diff --git a/src/main/java/com/friends/easybud/transaction/dto/TransactionResponse.java b/src/main/java/com/friends/easybud/transaction/dto/TransactionResponse.java
index 94b4f0c..0cf46a5 100644
--- a/src/main/java/com/friends/easybud/transaction/dto/TransactionResponse.java
+++ b/src/main/java/com/friends/easybud/transaction/dto/TransactionResponse.java
@@ -82,18 +82,12 @@ public static class AccountDto {
         @Schema(description = "중분류", example = "생활비")
         private String secondaryCategoryContent;
 
-        @Schema(description = "소분류 ID", example = "47")
+        @Schema(description = "소분류 or 카드 ID", example = "47")
         private Long tertiaryCategoryId;
 
-        @Schema(description = "소분류", example = "카페/간식")
+        @Schema(description = "소분류 or 카드", example = "카페/간식")
         private String tertiaryCategoryContent;
 
-        @Schema(description = "카드 ID", example = "3")
-        private Long cardId;
-
-        @Schema(description = "카드 이름", example = "롯데카드")
-        private String cardName;
-
         @Schema(description = "금액", example = "12000")
         private BigDecimal amount;
 
diff --git a/src/main/java/com/friends/easybud/transaction/service/TransactionCommandServiceImpl.java b/src/main/java/com/friends/easybud/transaction/service/TransactionCommandServiceImpl.java
index d986234..84b7eff 100644
--- a/src/main/java/com/friends/easybud/transaction/service/TransactionCommandServiceImpl.java
+++ b/src/main/java/com/friends/easybud/transaction/service/TransactionCommandServiceImpl.java
@@ -104,7 +104,8 @@ public Boolean deleteTransaction(Member member, Long transactionId) {
     private void checkForDuplicateTransaction(Member member) {
         List<Transaction> transactions = transactionRepository.findLastTransactionByMember(member);
         Transaction lastTransaction = transactions.isEmpty() ? null : transactions.get(0);
-        if (Duration.between(lastTransaction.getCreatedDate(), LocalDateTime.now()).getSeconds() < 30) {
+        if (lastTransaction != null
+                && Duration.between(lastTransaction.getCreatedDate(), LocalDateTime.now()).getSeconds() < 30) {
             throw new GeneralException(ErrorStatus.DUPLICATE_TRANSACTION_CREATION);
         }
     }