diff --git a/apps/mobile/README.md b/apps/mobile/README.md
index 74ed9aa26b..aa79c6c1df 100644
--- a/apps/mobile/README.md
+++ b/apps/mobile/README.md
@@ -11,6 +11,13 @@ Humans: follow instructions below or talk to [@iscekic](https://github.com/iscek
 - PostHog feature flag infrastructure and the version-aware registry remain available for future flags.
 - KiloClaw tab visibility still depends on instance ownership.
 
+## Profile credits
+
+The bonus-credit subtitle includes only grants with an expiry strictly after the
+current render time. Elapsed grants and non-expiring credits do not contribute to
+its amount or earliest expiry, for both personal and organization accounts.
+The balance continues to come from the balance query.
+
 ## Getting started
 
 Generally speaking, you only need a new dev build if making dependency/native changes.
diff --git a/apps/mobile/src/components/profile-credits-card.mounted.test.tsx b/apps/mobile/src/components/profile-credits-card.mounted.test.tsx
index ed402ec062..85aa566247 100644
--- a/apps/mobile/src/components/profile-credits-card.mounted.test.tsx
+++ b/apps/mobile/src/components/profile-credits-card.mounted.test.tsx
@@ -281,6 +281,36 @@ beforeEach(() => {
 });
 
 describe('CreditsCard balance state', () => {
+  it.each([
+    { name: 'expired grants', future: false },
+    { name: 'mixed grants', future: true },
+  ])('excludes elapsed expiry dates from $name', async ({ future }) => {
+    const now = Date.parse('2026-10-17T12:00:00Z');
+    const clock = vi.spyOn(Date, 'now').mockReturnValue(now);
+    currentUser.userId = 'user-a';
+    getContextBalanceQueryFn.mockResolvedValue({ balance: 0 });
+    personalCreditBlocksQueryFn.mockResolvedValue({
+      creditBlocks: [
+        { balance_mUsd: 1_900_000, expiry_date: '2026-06-17T12:00:00Z' },
+        { balance_mUsd: 3_000_000, expiry_date: '2026-10-17T12:00:00Z' },
+        { balance_mUsd: 7_000_000, expiry_date: null },
+        ...(future ? [{ balance_mUsd: 2_000_000, expiry_date: '2026-12-17T12:00:00Z' }] : []),
+      ],
+    });
+    try {
+      const { texts, unmount } = await mountCard();
+      try {
+        await waitFor(() => texts().includes('$0.00') && !texts().includes('SKELETON'));
+        const notes = texts().filter(text => text.includes('in bonus credits'));
+        expect(notes).toEqual(future ? ['$2.00 in bonus credits expiring 12/17/2026'] : []);
+      } finally {
+        unmount();
+      }
+    } finally {
+      clock.mockRestore();
+    }
+  });
+
   it.each([
     { orgs: [], options: ['Personal', 'Cancel'], choice: 0, expected: null, label: 'Personal' },
     {
diff --git a/apps/mobile/src/components/profile-credits-card.tsx b/apps/mobile/src/components/profile-credits-card.tsx
index f9611efb0e..adba5e743a 100644
--- a/apps/mobile/src/components/profile-credits-card.tsx
+++ b/apps/mobile/src/components/profile-credits-card.tsx
@@ -110,7 +110,11 @@ export function CreditsCard({ enabled, orgs }: Readonly<CreditsCardProps>) {
   const balancePending = balance === undefined && !balanceFailed;
   const showBalanceSkeleton =
     (balanceLoading || balancePending || !hideBalanceLoaded) && !balanceFailed;
-  const expiringBlocks = creditData?.creditBlocks.filter(b => b.expiry_date !== null) ?? [];
+  const now = Date.now();
+  const expiringBlocks =
+    creditData?.creditBlocks.filter(
+      b => b.expiry_date !== null && parseTimestamp(b.expiry_date).getTime() > now
+    ) ?? [];
   const expiringTotal = fromMicrodollars(
     expiringBlocks.reduce((sum, b) => sum + b.balance_mUsd, 0)
   );