Background Breast cancer is still the most common malignancy among women worldwide. Although cultural values and family dynamics strongly shape treatment preferences, evidence on experiences of Jordanian women with early-stage breast cancer and factors influencing their surgical decisions is scarce. Purpose This study explores the experiences of Jordanian women with early-stage breast cancer and identifies contributing factors to surgical decisions. Method A descriptive qualitative approach was employed, utilising semi-structured interviews with purposively selected participants (n = 15). Results The analyses showed that misdiagnosis seemed to undermine trust in healthcare providers and was associated with more complex surgical decision-making. Many women hesitated to undergo surgery due to concerns about body image and their husbands' perceptions. Although some women adapted their clothing to conceal surgical scars, others viewed them as symbols of resilience. Women diagnosed before the age of 40 faced additional challenges, balancing treatment decisions with caregiving responsibilities for young children. The emotional and logistical burdens further influenced their surgical choices. Conclusion Surgical decision-making among women with breast cancer is a multifaceted process shaped by trust in healthcare, body image concerns, family dynamics, and caregiving responsibilities. Therefore, a shared Treatment Decision-Making model involving patients, oncology nurses, and families is essential to fostering informed, patient-centred care aligned with surgical best practices.