9 Best Precious Metals Dealers of 2026

JM Bullion is the most flexible dealer we compared on payment. Its payment page lists credit and debit cards, Google Pay, Apple Pay and PayPal with a $0 minimum and a $250,000 maximum per order, plus Klarna for orders from $35 to $30,000. Paper checks, money orders, eCheck (ACH) and bank wire earn a 4% discount over card pricing, and crypto earns 3%. Bank wire has a $500 minimum and a $1,000,000 maximum. Orders of $199 or more ship free, every package carries full third-party insurance, and JM ships by USPS, FedEx, UPS and armored car in plain packaging with no hint of the contents. For buyers who want to keep metal off site, JM offers storage through TDS Vaults, whose parent company A-Mark Precious Metals has been in business since 1965, and its page offers free storage for 6 months. The catch is cost: paying by card means paying the full price, so the 4% gap is real on large orders.

SD Bullion ranks first because it pairs a low free shipping bar with a written price match. Orders over $199.00 ship and are insured for free inside the US, and smaller orders pay a $9.95 flat rate. Its Low Price Guarantee says that if you find a lower advertised price at a competitor and call before ordering, SD Bullion will match or beat it, and the comparison uses the competitor's total price including shipping and insurance. Each product page lists quantity tiers, so a buyer of 20 or 100 silver coins can see the per coin price before checkout. Payment terms are the main limit. Credit and debit cards are accepted only up to $5,000 per order and do not earn the 4% cash discount, checks top out at $20,000, and bank wire is required above $20,000 but is not offered under $2,500.00. Flash sales from other dealers are excluded from the guarantee. For buyers who pay by check or wire, the setup is hard to beat among the dealers we compared.

Provident Metals publishes one of the clearest payment tables we found. Bank wire covers orders from $500 to $500,000, and ACH/eCheck, personal checks, cashier's checks and money orders cover $0 to $100,000, all with a 4% cash discount. Bitcoin orders get 3% off, while PayPal (to $60,000) and credit or debit cards (to $50,000) get none. Shipping is free on orders of $199 or more anywhere in the 50 states, and the help center lists a $9.95 rate below that. All orders ship fully insured, and packages over $1,000 need a signature. Orders ship only after good funds arrive, and multiple orders cannot be combined to reach the free shipping bar. Provident does not ship outside the United States. It scores a little below Silver.com on experience because its policies live in a separate help center rather than on the store pages, but for buyers paying from a bank account its terms match the leaders on price.

Silver.com suits buyers starting small. Its shipping page says there are no order minimums, and orders up to $198 pay a $9.95 flat rate that already covers shipping, insurance and signature. From $199, all three are free. Card and PayPal payments process instantly and go straight into the shipping queue, while paper checks and bank wire earn a 4% discount compared with card pricing. In-stock orders get a shipment notice and tracking within 3 business days of completed payment, and Silver.com says most orders ship the same day payment completes. Tracking runs through USPS, FedEx or UPS depending on what Silver.com picks for the order size and address. The tradeoffs are the same as at most online dealers: card buyers pay about 4% more, checks take 4 to 6 business days from deposit to clear, and you do not choose the carrier unless you pay for an upgrade. It ranks below SD Bullion and JM Bullion because it lacks a price match and has a narrower set of services.

BGASC fits buyers who mix bullion with collectible coins. Its store menu includes certified gold eagles in proof and BU, pre-1933 US gold, gold commemoratives and silver from the major sovereign mints, alongside standard bars and rounds. Shipping is free on all orders over $199, and its rate table lists $9.95 for orders under $199. Orders usually ship the next business day after payment clears, by USPS, FedEx or UPS, and you can upgrade to expedited shipping at checkout on most orders. Packages of $1,000 and over need a signature. The payment table gives a 4% cash discount on bank wire ($1,000 to $250,000), ACH ($0 to $100,000) and personal checks, cashier's checks and money orders (up to $75,000). BGASC ships only within the United States. Its terms closely track Provident Metals, and it ranks just behind it because the wire minimum is higher at $1,000 and check limits are lower.

Hero Bullion has the lowest free shipping threshold among the dealers that charge for small orders: orders over $149 ship free, compared with $199 at SD Bullion, JM Bullion, Silver.com, Provident Metals and BGASC. Its payment page lays out limits clearly. Credit and debit cards run from $.01 to $20,000 with no discount. eCheck runs from $.01 to $20,000 with a 4% discount, which makes it the cheapest way to pay for small orders. Paper checks, money orders and cashier's checks also earn 4% but need $500 or more, and bank wire needs $2,000 with no maximum. Crypto through BitPay earns 2%. Shipments are insured for the full locked-in price while in transit, but Hero must hear about a lost package within thirty calendar days, and coverage can be void if you tell the carrier to leave a parcel without a signature. The product range and services are narrower than the top three, which keeps it in fifth place.

Kitco offers more account services than any other dealer on this list. Beyond its online store, it runs Kitco Pool metal accounts and a Kitco Allocated Storage program, where gold and platinum are eligible in 10 oz increments and silver in 500 oz. Storage fees are set per holding and billed monthly, and a $35 transfer fee applies when you sell stored metal. Buyers can pay in USD or CAD, and some methods accept euros or pounds. The drawback is delivery cost on small and mid-size orders. Standard shipping costs $15 and is free only from $5,000, and insurance is billed separately at 0.65% of metal value, or $6.50 per $1,000, with higher rates in Washington and Texas. Paying by bank wire, check, online bill payment or funds on account takes 4% off. First-time buyers face limits of $10,000 on credit card and PayPal and $7,500 on e-check. Kitco suits large buyers and storage users, not people buying a few coins.

Texas Precious Metals is the only dealer here that advertises free shipping on all orders, with no minimum to reach. It ships orders within 3 business days of cleared payment, and its payment page ties the shipping method to order size: ground (3 to 5 business days) under $1,000 and next day air from $1,000. Payment options narrow as orders grow. Credit card and ACH work under $10,000, ACH and bank wire from $10,000 to $24,999.99, and bank wire only from $25,000, which must be pre-approved. The company stopped accepting bank checks, cashier's checks and money orders in 2013, and takes cash only in person at its Shiner, Texas facility, limited to $10,000 per household per calendar year. It also runs Texas Depository storage and an IRA and 401k rollover service. We could not find a published cash discount on its payment page, so compare the final checkout price with the 4% discount offered at other dealers.

Gainesville Coins takes a different approach to shipping. Its help page argues that dealers offering free shipping build that cost into their premiums, so it charges shipping on each order and shows the cost through a zip code calculator in the cart. Buyers choose USPS or UPS 3-Day Select, 2-Day Air or Next-Day Air, and all orders carry full shipping insurance. It ships around the world, though international orders must be paid by bank wire. Its storage program is fully segregated, so the coins and bars you store are the exact items you get back, and stored metal is insured for full replacement value. Payment options are narrower: credit cards (US cards only), checks, cashier's checks, money orders and bank wire, with no ACH, and checks take 10 business days to clear before shipping. Because shipping is not a flat published rate, we could not record a single starting price, so compare the delivered total in the cart with the $199 free shipping dealers above.