diff --git a/frontend/src/pages/EarningsDashboard.tsx b/frontend/src/pages/EarningsDashboard.tsx
index a734535..e25e78f 100644
--- a/frontend/src/pages/EarningsDashboard.tsx
+++ b/frontend/src/pages/EarningsDashboard.tsx
@@ -127,9 +127,14 @@ const EarningsDashboard: React.FC = () => {
   const isOnboardingComplete = accountStatus?.detailsSubmitted ?? false;
   const payoutsEnabled = accountStatus?.payoutsEnabled ?? true;
 
+  // Don't show setup card until we have account status (if user has a Stripe account)
+  // This prevents the setup card from flashing briefly while fetching account status
+  const accountStatusLoading = hasStripeAccount && accountStatus === null;
+
   // Show setup card if: no account, onboarding incomplete, or payouts disabled
   const showSetupCard =
-    !hasStripeAccount || !isOnboardingComplete || !payoutsEnabled;
+    !accountStatusLoading &&
+    (!hasStripeAccount || !isOnboardingComplete || !payoutsEnabled);
 
   return (
     <div className="container mt-4">