diff --git a/shared/hooks/use-accounts.ts b/shared/hooks/use-accounts.ts
index 95df676a..1e142f2b 100644
--- a/shared/hooks/use-accounts.ts
+++ b/shared/hooks/use-accounts.ts
@@ -24,11 +24,10 @@ export function useAccounts() {
   const [persistenceHealth, setPersistenceHealth] = useState<PersistenceHealth>({ ok: true });
   const addCleanupRef = useRef<(() => void) | null>(null);
 
-  const loadAccounts = useCallback(async (fresh = false) => {
+  const loadAccounts = useCallback(async () => {
     setRefreshing(true);
     try {
-      const url = fresh ? "/auth/accounts?quota=fresh" : "/auth/accounts?quota=true";
-      const resp = await fetch(url);
+      const resp = await fetch("/auth/accounts?quota=true");
       const data = await resp.json();
       setList(data.accounts || []);
       if (data.persistence_health && typeof data.persistence_health === "object") {
@@ -318,7 +317,7 @@ export function useAccounts() {
     addInfo,
     addError,
     persistenceHealth,
-    refresh: useCallback(() => loadAccounts(true), [loadAccounts]),
+    refresh: loadAccounts,
     patchLocal,
     startAdd,
     cancelAdd,
diff --git a/src/routes/accounts.ts b/src/routes/accounts.ts
index 7f7fbadd..3631a9ae 100644
--- a/src/routes/accounts.ts
+++ b/src/routes/accounts.ts
@@ -163,7 +163,7 @@ export function createAccountRoutes(pool: AccountPool, scheduler: RefreshSchedul
     return c.json({ success: true });
   });
 
-  app.get("/auth/accounts", async (c) => {
+  app.get("/auth/accounts", (c) => {
     const accounts = querySvc.listFresh();
     return c.json({
       accounts,
diff --git a/tests/e2e/quota-refresh.test.ts b/tests/e2e/quota-refresh.test.ts
index 8c729cb8..b9c94f4d 100644
--- a/tests/e2e/quota-refresh.test.ts
+++ b/tests/e2e/quota-refresh.test.ts
@@ -3,12 +3,12 @@
  *
  * Tests:
  * - GET /auth/accounts returns cached quota from background refresh
- * - GET /auth/accounts?quota=fresh forces live upstream fetch
+ * - GET /auth/accounts?quota=fresh returns cached quota without live upstream fetch
  * - GET /auth/quota/warnings returns active warnings
  * - Accounts with exhausted quota are skipped by acquire()
  */
 
-import { describe, it, expect, beforeAll, afterAll } from "vitest";
+import { describe, it, expect, beforeAll, afterAll, vi } from "vitest";
 import "@helpers/e2e-setup.js";
 import { createValidJwt } from "@helpers/jwt.js";
 
@@ -20,6 +20,7 @@ import { AccountPool } from "@src/auth/account-pool.js";
 import { RefreshScheduler } from "@src/auth/refresh-scheduler.js";
 import type { CodexQuota } from "@src/auth/types.js";
 import { updateWarnings, clearWarnings, getActiveWarnings } from "@src/auth/quota-warnings.js";
+import { CodexApi } from "@src/proxy/codex-api.js";
 
 let app: Hono;
 let pool: AccountPool;
@@ -103,6 +104,29 @@ describe("E2E: quota auto-refresh", () => {
     pool.removeAccount(id);
   });
 
+  it("GET /auth/accounts?quota=fresh returns cached quota without upstream call", async () => {
+    const id = pool.addAccount(createValidJwt({
+      accountId: "acct-quota-fresh",
+      email: "quotafresh@test.com",
+      planType: "plus",
+    }));
+    pool.updateCachedQuota(id, makeQuota(77));
+    const getUsageSpy = vi.spyOn(CodexApi.prototype, "getUsage").mockRejectedValue(new Error("unexpected usage call"));
+
+    try {
+      const res = await app.request("/auth/accounts?quota=fresh");
+      expect(res.status).toBe(200);
+
+      const body = await res.json() as { accounts: Array<{ id: string; quota?: CodexQuota }> };
+      const acct = body.accounts.find((a) => a.id === id);
+      expect(acct?.quota?.rate_limit.used_percent).toBe(77);
+      expect(getUsageSpy).not.toHaveBeenCalled();
+    } finally {
+      getUsageSpy.mockRestore();
+      pool.removeAccount(id);
+    }
+  });
+
   it("GET /auth/quota/warnings returns empty when no warnings", async () => {
     const res = await app.request("/auth/quota/warnings");
     expect(res.status).toBe(200);
diff --git a/tests/unit/web/account-list-quota-refresh.test.ts b/tests/unit/web/account-list-quota-refresh.test.ts
new file mode 100644
index 00000000..6e8e9d3c
--- /dev/null
+++ b/tests/unit/web/account-list-quota-refresh.test.ts
@@ -0,0 +1,15 @@
+import { describe, expect, it } from "vitest";
+import { readFileSync } from "fs";
+import { resolve } from "path";
+
+describe("AccountList quota refresh", () => {
+  it("uses the explicit quota endpoint instead of token refresh", () => {
+    const source = readFileSync(
+      resolve(__dirname, "../../../web/src/components/AccountList.tsx"),
+      "utf-8",
+    );
+
+    expect(source).toContain("`/auth/accounts/${encodeURIComponent(id)}/quota`");
+    expect(source).not.toContain("`/auth/accounts/${encodeURIComponent(id)}/refresh`");
+  });
+});
diff --git a/web/src/components/AccountList.tsx b/web/src/components/AccountList.tsx
index e5036649..4f4ef133 100644
--- a/web/src/components/AccountList.tsx
+++ b/web/src/components/AccountList.tsx
@@ -390,7 +390,7 @@ export function AccountList({ accounts, loading, onDelete, onRefresh, refreshing
           </div>
         ) : (
           displayAccounts.slice(0, visibleCount).map((acct, i) => (
-            <AccountCard key={acct.id} account={acct} index={i} onDelete={onDelete} proxies={proxies} onProxyChange={onProxyChange} selected={selectedIds.has(acct.id)} onToggleSelect={toggleSelect} onRefreshQuota={async (id) => { await fetch(`/auth/accounts/${encodeURIComponent(id)}/refresh`, { method: "POST" }); onRefresh(); }} onToggleStatus={onToggleStatus} onUpdateLabel={onUpdateLabel} />
+            <AccountCard key={acct.id} account={acct} index={i} onDelete={onDelete} proxies={proxies} onProxyChange={onProxyChange} selected={selectedIds.has(acct.id)} onToggleSelect={toggleSelect} onRefreshQuota={async (id) => { await fetch(`/auth/accounts/${encodeURIComponent(id)}/quota`); onRefresh(); }} onToggleStatus={onToggleStatus} onUpdateLabel={onUpdateLabel} />
           ))
         )}
       </div>