diff --git a/adev/src/content/guide/ssr.md b/adev/src/content/guide/ssr.md
index a0cc7686cde..70daba55151 100644
--- a/adev/src/content/guide/ssr.md
+++ b/adev/src/content/guide/ssr.md
@@ -432,7 +432,7 @@ To configure this, update your `angular.json` file as follows:
 You can customize how Angular caches HTTP responses during server‑side rendering (SSR) and reuses them during hydration by configuring `HttpTransferCacheOptions`.  
 This configuration is provided globally using `withHttpTransferCacheOptions` inside `provideClientHydration()`.
 
-By default, `HttpClient` caches all `HEAD` and `GET` requests which don't contain `Authorization`, `Proxy-Authorization`, or `Cookie` headers and are not sent with `withCredentials`. You can override those settings by using `withHttpTransferCacheOptions` to the hydration configuration.
+By default, `HttpClient` caches all `HEAD` and `GET` requests which don't contain `Authorization`, `Proxy-Authorization`, or `Cookie` headers and are not sent with `withCredentials` or Fetch API `credentials` modes that can send credentials. You can override those settings by using `withHttpTransferCacheOptions` to the hydration configuration.
 
 ```ts
 import {bootstrapApplication} from '@angular/platform-browser';
@@ -487,7 +487,7 @@ Use this only when `POST` requests are **idempotent** and safe to reuse between
 ### `includeRequestsWithAuthHeaders`
 
 Determines whether requests containing `Authorization`, `Proxy‑Authorization`, or `Cookie` headers are eligible for caching.  
-By default, these are excluded to prevent caching user‑specific responses. Requests sent with `withCredentials` are also excluded by default.
+By default, these are excluded to prevent caching user‑specific responses. Requests sent with `withCredentials` or Fetch API `credentials` set to `include` or `same-origin` are also excluded by default.
 
 ```ts
 withHttpTransferCacheOptions({
diff --git a/packages/common/http/src/transfer_cache.ts b/packages/common/http/src/transfer_cache.ts
index 9311dbac910..ab4423a7a73 100644
--- a/packages/common/http/src/transfer_cache.ts
+++ b/packages/common/http/src/transfer_cache.ts
@@ -42,7 +42,8 @@ import {HttpParams} from './params';
  *     (for example using GraphQL).
  * @param includeRequestsWithAuthHeaders Enables caching of requests containing `Authorization`,
  *     `Proxy-Authorization`, or `Cookie` headers. By default, these requests are excluded from
- *     caching. Requests sent using `withCredentials` are also excluded by default.
+ *     caching. Requests sent using `withCredentials` or Fetch API `credentials` modes that can send
+ *     credentials are also excluded by default.
  *
  * @see [Configuring the caching options](guide/ssr#configuring-the-caching-options)
  *
@@ -132,7 +133,7 @@ function canUseOrCacheRequest(req: HttpRequest<unknown>, options: CacheOptions):
     !isCacheActive ||
     requestOptions === false ||
     // Do not cache requests sent with credentials.
-    req.withCredentials ||
+    hasOutgoingCredentials(req) ||
     // POST requests are allowed either globally or at request level
     (requestMethod === 'POST' && !globalOptions.includePostRequests && !requestOptions) ||
     (requestMethod !== 'POST' && !ALLOWED_METHODS.includes(requestMethod)) ||
@@ -342,6 +343,7 @@ function hasOutgoingCredentials(req: HttpRequest<unknown>): boolean {
 
   return withCredentials || credentials === 'include' || credentials === 'same-origin';
 }
+
 function getFilteredHeaders(
   headers: HttpHeaders,
   includeHeaders: string[] | undefined,
diff --git a/packages/common/http/test/transfer_cache_spec.ts b/packages/common/http/test/transfer_cache_spec.ts
index e30fcb04fbd..3293ccd1a47 100644
--- a/packages/common/http/test/transfer_cache_spec.ts
+++ b/packages/common/http/test/transfer_cache_spec.ts
@@ -42,6 +42,7 @@ interface RequestParams {
   transferCache?: {includeHeaders: string[]} | boolean;
   headers?: {[key: string]: string};
   withCredentials?: boolean;
+  credentials?: RequestCredentials;
   body?: RequestBody;
 }
 
@@ -441,6 +442,36 @@ describe('TransferCache', () => {
       });
     });
 
+    it('should not cache requests with included credentials', async () => {
+      makeRequestAndExpectOne('/test-auth', 'foo', {
+        credentials: 'include',
+      });
+
+      makeRequestAndExpectOne('/test-auth', 'foo', {
+        credentials: 'include',
+      });
+    });
+
+    it('should not cache requests with same-origin credentials', async () => {
+      makeRequestAndExpectOne('/test-auth', 'foo', {
+        credentials: 'same-origin',
+      });
+
+      makeRequestAndExpectOne('/test-auth', 'foo', {
+        credentials: 'same-origin',
+      });
+    });
+
+    it('should cache requests with omitted credentials', async () => {
+      makeRequestAndExpectOne('/test-auth', 'foo', {
+        credentials: 'omit',
+      });
+
+      makeRequestAndExpectNone('/test-auth', 'GET', {
+        credentials: 'omit',
+      });
+    });
+
     it('should cache POST with the differing body in string form', () => {
       makeRequestAndExpectOne('/test-1', null, {method: 'POST', transferCache: true, body: 'foo'});
       makeRequestAndExpectNone('/test-1', 'POST', {transferCache: true, body: 'foo'});
@@ -603,6 +634,16 @@ describe('TransferCache', () => {
         });
       });
 
+      it(`should not cache requests with included credentials when 'includeRequestsWithAuthHeaders' is 'true'`, async () => {
+        makeRequestAndExpectOne('/test-auth', 'foo', {
+          credentials: 'include',
+        });
+
+        makeRequestAndExpectOne('/test-auth', 'foo', {
+          credentials: 'include',
+        });
+      });
+
       it('should cache a POST request', () => {
         makeRequestAndExpectOne('/include?foo=1', 'post-body', {method: 'POST'});