Filter unassigned cards by encrypted card number instead of masked PAN

[MelvinBot]

Explanation of Change

The getFilteredCardList function filtered commercial feed cards by cardName (masked PAN), which incorrectly hid unassigned cards when another card with the same masked PAN was already assigned (e.g. two cards both ending in "7012"). This changes the filtering to use encryptedCardNumber (unique per physical card) and updates the key/value mapping to match the inverted backend cardList format where the key is the encrypted card number and the value is the masked PAN.

Companion backend PR: https://github.com/Expensify/Auth/pull/21675

Fixed Issues

$ https://github.com/Expensify/Expensify/issues/637310
PROPOSAL:

Tests

// TODO: The human co-author must fill out the tests you ran before marking this PR as "ready for review"
// Please describe what tests you performed that validates your changed worked.

• Verify that no errors appear in the JS console

Offline tests

N/A — no changes to offline behavior.

QA Steps

// TODO: The human co-author must fill out the QA tests you ran before marking this PR as "ready for review".

• Verify that no errors appear in the JS console

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Screenshots/Videos

Android: Native

Android: mWeb Chrome

iOS: Native

iOS: mWeb Safari

MacOS: Chrome / Safari

[MelvinBot]

Fixed the failing tests. The commercial feed cardList format is {maskedPAN: encryptedCardNumber}, not the inverse. The filter and map were interpreting keys as encrypted card numbers when they're actually masked PANs. Updated to:

1. Filter by both encrypted card number (value) AND card name (key) — this handles cases where assigned cards may not have encryptedCardNumber set
2. Map correctly: cardName = key (masked PAN), cardID = value (encrypted card number)

[codecov]

Codecov Report

✅ Changes either increased or maintained existing code coverage, great job!

Files with missing lines	Coverage Δ
...libs/actions/OnyxDerived/configs/cardFeedErrors.ts	95.50% <100.00%> (ø)
src/libs/CardUtils.ts	81.94% <90.90%> (+0.03%)	⬆️
...s/workspace/rules/SpendRules/SpendRuleCardPage.tsx	0.00% <0.00%> (ø)
... and 335 files with indirect coverage changes

[MelvinBot]

Fixed the typecheck failure: the new cardListByEncrypted property on WorkspaceCardsList was leaking into rest-spreads that only destructured cardList, causing Object.values() to include Record<string, string> alongside Card. Added cardListByEncrypted to the destructuring in all affected locations (CardUtils.ts, cardFeedErrors.ts, SpendRuleCardPage.tsx).

[MelvinBot]

Fixed the failing ESLint check: removed leading-underscore aliases (_cardListByEncrypted / _cardListByEncrypted2) from destructured variables in CardUtils.ts that violated the @typescript-eslint/naming-convention rule. Used the original property name instead, with a no-shadow disable for the inner-scope usage that shadows the outer declaration.

[MelvinBot]

All CI checks are passing. The only "failing" check is the PR Author Checklist, which is expected — it requires the human co-author to complete the testing steps and checkboxes before marking the PR as ready for review. No code fix is needed.