Lear Capital review

Lear Capital places third on the strength of its buyer protections. Its IRA FAQ quotes $315 for the first year and $235 each year after, a price that assumes electronic statements and non-segregated storage and includes storage. Accounts from $25,000 get the first year's fees free, from $50,000 two years and from $75,000 three years, though the FAQ says these tiers apply to limited mintage coins only. Every order comes with a 24-hour window: if you find the metal cheaper elsewhere Lear will match or beat it, and if it cannot, you can cancel at no cost. Lear says it has been in business since 1997 and has transacted over $5 billion. It is also open that its buyback prices are lower than its sell prices. Check which coins qualify for the fee waivers before you rely on them.

Who it is for

buyers who want a price check after ordering

Price

$315 first year, $235 each year after, with e-statements and non-segregated storage; up to three years of fees free over $75,000.

The fee for the first year is $315 and $235 each subsequent year.
Quoted from the vendor pricing page on November 14, 2026.

Key features

• IRA fees of $315 in year one and $235 a year after, including storage, with e-statements and non-segregated storage
• First year's fees free from $25,000, two years from $50,000, three years from $75,000
• Price Match Guarantee: 24 hours after the invoice to find a lower price, or cancel at no cost
• 24-hour cancellation period on all orders
• New investor kit requests get a $500 account credit for shipping, insurance or IRA custodial fees

Strengths and weaknesses

• Strength: Only firm in our set that publishes fee waivers in tiers by account size
• Strength: 24-hour window to cancel any order at no cost
• Strength: Says it has transacted over $5 billion since 1997
• Weakness: Fee waiver tiers apply to limited mintage coins only
• Weakness: Fees rise if you choose paper statements or segregated storage
• Weakness: Lear states its buyback prices are lower than its sell prices

Key facts

• First-year fees: $315
• Later years: $235
• Cancellation: 24 hours
• In business: Since 1997

Where it ranks

Lear Capital is No. 3 in our Best Gold IRA Companies verdict.