diff --git a/browser/brave_content_browser_client.cc b/browser/brave_content_browser_client.cc
index 7f21b4e4b4e3..54e0eb8eb6dd 100644
--- a/browser/brave_content_browser_client.cc
+++ b/browser/brave_content_browser_client.cc
@@ -54,7 +54,6 @@
 #include "brave/components/body_sniffer/body_sniffer_throttle.h"
 #include "brave/components/brave_federated/features.h"
 #include "brave/components/brave_rewards/browser/rewards_protocol_navigation_throttle.h"
-#include "brave/components/brave_rewards/common/pref_names.h"
 #include "brave/components/brave_search/browser/brave_search_default_host.h"
 #include "brave/components/brave_search/browser/brave_search_default_host_private.h"
 #include "brave/components/brave_search/browser/brave_search_fallback_host.h"
@@ -1171,12 +1170,10 @@ BraveContentBrowserClient::CreateThrottlesForNavigation(
   // navigation happens
   content::BrowserContext* context =
       handle->GetWebContents()->GetBrowserContext();
-  PrefService* pref_service = user_prefs::UserPrefs::Get(context);
-  if (pref_service->GetBoolean(brave_rewards::prefs::kEnabled)) {
-    throttles.insert(
-        throttles.begin(),
-        std::make_unique<brave_rewards::RewardsProtocolNavigationThrottle>(
-            handle));
+
+  if (auto rewards_throttle = brave_rewards::RewardsProtocolNavigationThrottle::
+          MaybeCreateThrottleFor(handle)) {
+    throttles.insert(throttles.begin(), std::move(rewards_throttle));
   }
 
 #if !BUILDFLAG(IS_ANDROID)
diff --git a/components/brave_rewards/browser/BUILD.gn b/components/brave_rewards/browser/BUILD.gn
index 3ec2f42a30c3..26a8478c2d44 100644
--- a/components/brave_rewards/browser/BUILD.gn
+++ b/components/brave_rewards/browser/BUILD.gn
@@ -52,6 +52,7 @@ static_library("browser") {
     "//components/os_crypt/sync:os_crypt",
     "//components/prefs",
     "//components/sessions",
+    "//components/user_prefs",
     "//content/public/browser",
     "//extensions/buildflags",
     "//mojo/public/cpp/bindings",
diff --git a/components/brave_rewards/browser/rewards_protocol_navigation_throttle.cc b/components/brave_rewards/browser/rewards_protocol_navigation_throttle.cc
index 98a9b090124c..c00434f30722 100644
--- a/components/brave_rewards/browser/rewards_protocol_navigation_throttle.cc
+++ b/components/brave_rewards/browser/rewards_protocol_navigation_throttle.cc
@@ -15,7 +15,11 @@
 #include "base/strings/strcat.h"
 #include "base/strings/string_split.h"
 #include "base/strings/string_util.h"
+#include "brave/components/brave_rewards/common/pref_names.h"
 #include "brave/components/brave_rewards/core/buildflags.h"
+#include "components/prefs/pref_service.h"
+#include "components/user_prefs/user_prefs.h"
+#include "content/public/browser/browser_context.h"
 #include "content/public/browser/navigation_entry.h"
 #include "content/public/browser/navigation_handle.h"
 #include "content/public/browser/navigation_throttle.h"
@@ -33,6 +37,19 @@ using content::WebContents;
 
 namespace brave_rewards {
 
+// static
+std::unique_ptr<RewardsProtocolNavigationThrottle>
+RewardsProtocolNavigationThrottle::MaybeCreateThrottleFor(
+    content::NavigationHandle* navigation_handle) {
+  auto* pref_service = user_prefs::UserPrefs::Get(
+      navigation_handle->GetWebContents()->GetBrowserContext());
+  if (!pref_service->GetBoolean(brave_rewards::prefs::kEnabled)) {
+    return nullptr;
+  }
+
+  return std::make_unique<RewardsProtocolNavigationThrottle>(navigation_handle);
+}
+
 RewardsProtocolNavigationThrottle::RewardsProtocolNavigationThrottle(
     NavigationHandle* handle)
     : NavigationThrottle(handle) {