diff --git a/ui/src/components/account/shared/account-surface-card.tsx b/ui/src/components/account/shared/account-surface-card.tsx
index 3d91d71f..783f3054 100644
--- a/ui/src/components/account/shared/account-surface-card.tsx
+++ b/ui/src/components/account/shared/account-surface-card.tsx
@@ -59,6 +59,19 @@ function getCompactAudienceBadgeLabel(audience: 'business' | 'personal' | 'unkno
   return '?';
 }
 
+function resolveEffectiveTier(
+  tier: AccountTier | undefined,
+  quota: UnifiedQuotaResult | undefined
+): AccountTier | undefined {
+  if (quota && 'entitlement' in quota) {
+    const entitlementTier = quota.entitlement?.normalizedTier;
+    if (entitlementTier && entitlementTier !== 'unknown') {
+      return entitlementTier;
+    }
+  }
+  return tier;
+}
+
 export function AccountSurfaceCard({
   mode,
   provider,
@@ -85,13 +98,14 @@ export function AccountSurfaceCard({
   const identity = getAccountIdentityPresentation(accountId, email, tokenFile);
   const title = displayEmail || identity.email || accountId;
   const normalizedProvider = provider.toLowerCase();
+  const effectiveTier = resolveEffectiveTier(tier, quota);
   const showTierBadge =
     (normalizedProvider === 'agy' ||
       normalizedProvider === 'antigravity' ||
       normalizedProvider === 'gemini') &&
-    tier &&
-    tier !== 'unknown' &&
-    tier !== 'free';
+    effectiveTier &&
+    effectiveTier !== 'unknown' &&
+    effectiveTier !== 'free';
   const isCompact = mode === 'compact';
   const defaultCompactMetaBadges = (
     <>
@@ -99,10 +113,10 @@ export function AccountSurfaceCard({
         <span
           className={cn(
             'text-[8px] font-semibold px-1.5 py-0.5 rounded-md shrink-0',
-            getTierBadgeClass(tier)
+            getTierBadgeClass(effectiveTier)
           )}
         >
-          {tier}
+          {effectiveTier}
         </span>
       )}
       {identity.audienceLabel && (
@@ -145,12 +159,12 @@ export function AccountSurfaceCard({
                 <span
                   className={cn(
                     'absolute -bottom-0.5 -right-0.5 text-[7px] font-bold uppercase px-1 py-px rounded ring-1 ring-background',
-                    tier === 'ultra'
+                    effectiveTier === 'ultra'
                       ? 'bg-violet-500/20 text-violet-600 dark:bg-violet-500/30 dark:text-violet-300'
                       : 'bg-yellow-500/20 text-yellow-700 dark:bg-yellow-500/25 dark:text-yellow-400'
                   )}
                 >
-                  {tier === 'ultra' ? 'U' : 'P'}
+                  {effectiveTier === 'ultra' ? 'U' : 'P'}
                 </span>
               )}
             </div>
diff --git a/ui/tests/unit/ui/components/account/shared/account-surface-card.test.tsx b/ui/tests/unit/ui/components/account/shared/account-surface-card.test.tsx
new file mode 100644
index 00000000..6a0a823e
--- /dev/null
+++ b/ui/tests/unit/ui/components/account/shared/account-surface-card.test.tsx
@@ -0,0 +1,49 @@
+import { render, screen } from '@tests/setup/test-utils';
+import { describe, expect, it } from 'vitest';
+import { AccountSurfaceCard } from '@/components/account/shared/account-surface-card';
+import type { GeminiCliQuotaResult } from '@/lib/api-client';
+
+function createGeminiQuotaResult(
+  overrides: Partial<GeminiCliQuotaResult> = {}
+): GeminiCliQuotaResult {
+  return {
+    success: true,
+    buckets: [],
+    projectId: 'project-123',
+    tierLabel: 'Pro',
+    tierId: 'g1-pro-tier',
+    creditBalance: 12,
+    entitlement: {
+      normalizedTier: 'pro',
+      rawTierId: 'g1-pro-tier',
+      rawTierLabel: 'Pro',
+      source: 'runtime_api',
+      confidence: 'high',
+      accessState: 'entitled',
+      capacityState: 'available',
+      lastVerifiedAt: Date.now(),
+      notes: null,
+    },
+    lastUpdated: Date.now(),
+    ...overrides,
+  };
+}
+
+describe('AccountSurfaceCard', () => {
+  it('prefers live quota entitlement tier over a stale account tier for Gemini badges', () => {
+    render(
+      <AccountSurfaceCard
+        mode="compact"
+        provider="gemini"
+        accountId="user@example.com"
+        email="user@example.com"
+        displayEmail="user@example.com"
+        tier="unknown"
+        quota={createGeminiQuotaResult()}
+        showQuota={false}
+      />
+    );
+
+    expect(screen.getByText('pro')).toBeInTheDocument();
+  });
+});