diff --git a/internal/provider/subscription_usage.go b/internal/provider/subscription_usage.go
index c2dc2007..7ee6803e 100644
--- a/internal/provider/subscription_usage.go
+++ b/internal/provider/subscription_usage.go
@@ -252,16 +252,15 @@ func fetchSubscriptionUsage() []SubscriptionQuota {
 				fetches = append(fetches, withUser(p.Account.User, func() SubscriptionQuota { return codexSubscriptionUsage(viaLogin("codex", p.Account.User), auth) }))
 			}
 		}
-		cfg := os.Getenv("XDG_CONFIG_HOME")
-		if cfg == "" {
-			cfg = filepath.Join(home, ".config")
-		}
-		if app, ok := copilotLogin(cfg); ok && !hidden["copilot"] {
-			if ls := copilotLoginList(); len(ls) > 1 {
-				fetches = append(fetches, perLogin(via("copilot"), ls, "Copilot", "githubcopilot")...)
-			} else {
-				fetches = append(fetches, withUser(app.User, func() SubscriptionQuota { return copilotSubscriptionUsage(viaLogin("copilot", app.User), app.Token) }))
-			}
+		// Every Copilot account magpie knows, the editors' or the CLI's own
+		// sign-in or not: one signed in from magpie alone is enough
+		// (copilotLoginList reads both, copilot_accounts.go). Asking only
+		// when copilotLogin found the editors' token left an account magpie
+		// signed in itself without a card on the Usage page, and out of the
+		// gateway's GET /v1/magpie/quotas, however fresh its reading was
+		// (subscription_usage_test.go, TestCopilotQuotaWithoutEditorsSignIn).
+		if ls := copilotLoginList(); len(ls) > 0 && !hidden["copilot"] {
+			fetches = append(fetches, perLogin(via("copilot"), ls, "Copilot", "githubcopilot")...)
 		}
 	}
 	if moved("kiro") {
diff --git a/internal/provider/subscription_usage_test.go b/internal/provider/subscription_usage_test.go
index 76adc2fe..d13b1c16 100644
--- a/internal/provider/subscription_usage_test.go
+++ b/internal/provider/subscription_usage_test.go
@@ -2,6 +2,10 @@ package provider
 
 import (
 	"context"
+	"net/http"
+	"net/http/httptest"
+	"os"
+	"path/filepath"
 	"testing"
 	"time"
 )
@@ -119,3 +123,54 @@ func TestChosenWindows(t *testing.T) {
 		t.Fatalf("antigravity: %+v", got)
 	}
 }
+
+// A Copilot account magpie signed in itself gets its card even when the
+// editors' own sign-in isn't on the machine: every account magpie knows is
+// asked, not only the one the editors' or the CLI's token belongs to.
+func TestCopilotQuotaWithoutEditorsSignIn(t *testing.T) {
+	home := signIn(t)
+	t.Setenv("COPILOT_HOME", filepath.Join(home, ".copilot")) // not the machine's own CLI, when it has one
+	// the editors' own sign-in gone: what magpie keeps is all that's left
+	for _, dir := range []string{filepath.Join(home, ".config", "github-copilot"), filepath.Join(home, ".copilot")} {
+		if err := os.RemoveAll(dir); err != nil {
+			t.Fatal(err)
+		}
+	}
+	if _, ok := copilotLogin(filepath.Join(home, ".config")); ok {
+		t.Fatal("the editors' own sign-in is still readable")
+	}
+	if err := addCopilotLogin("hubot", "Pro+", "ghu_hubot"); err != nil {
+		t.Fatal(err)
+	}
+	if ls := copilotLoginList(); len(ls) != 1 || ls[0].User != "hubot" {
+		t.Fatalf("copilotLoginList = %+v", ls)
+	}
+
+	old := CopilotUserURL
+	srv := httptest.NewServer(http.HandlerFunc(func(w http.ResponseWriter, r *http.Request) {
+		if r.Header.Get("Authorization") != "token ghu_hubot" {
+			w.WriteHeader(http.StatusUnauthorized)
+			return
+		}
+		w.Write([]byte(`{"copilot_plan":"individual_pro","quota_snapshots":{"premium_interactions":{"has_quota":true,"entitlement":7000,"quota_remaining":6996}}}`))
+	}))
+	defer srv.Close()
+	CopilotUserURL = srv.URL
+	t.Cleanup(func() { CopilotUserURL = old })
+
+	var card *SubscriptionQuota
+	for _, q := range fetchSubscriptionUsage() {
+		if q.Provider == "copilot" {
+			card = &q
+		}
+	}
+	if card == nil {
+		t.Fatal("no Copilot card: an account signed in from magpie alone was left out")
+	}
+	if card.User != "hubot" || card.Plan != "individual_pro" || len(card.Windows) != 1 {
+		t.Fatalf("Copilot card = %+v", *card)
+	}
+	if w := card.Windows[0]; w.Name != "Premium requests" || w.Display != "4 / 7000" {
+		t.Fatalf("window = %+v", w)
+	}
+}