Best Online Gold Dealers

For gold investors who want to work with the best online gold dealers

We recommend the best products through an independent review process, and advertisers do not influence our picks. We may receive compensation if you visit partners we recommend. Read our advertiser disclosure for more info.

The increase in stock market volatility and political uncertainty is driving an increasing number of investors to precious metals as a way to diversify their investment portfolios. Gold, in particular, has historically maintained its value even during significant stock market fluctuations and has proven to be an effective hedge against inflation.

For long-term investors, owning physical gold is often preferred over gold receipts, gold mining stocks, or gold ETFs. Now, with the advent of online gold dealers, it has never been easier to purchase high-quality physical gold and have it shipped home or stored in a secured vault. However, there are occasional reports of counterfeit metal coins or fake gold being sold online, which is why you need to ensure you are purchasing from an established and reputable dealer.

The Best Online Gold Dealers for 2022

Best Overall : Money Metals Exchange


Money Metals Exchange

Money Metals Exchange

The combination of highly competitive prices, low shipping costs, vast product selection, and an exceptional customer experience lands Money Metals Exchange on our list as the best overall online gold dealer.

Pros
  • Competitive pricing

  • Free shipping on orders of $500 or more

  • Automated monthly savings plan

Cons
  • Purchasing limits apply depending on your payment method and some are very low

  • Shipping can be slow

Founded in 2010, Money Metals Exchange has quickly amassed a customer base of more than 250,000 customers. Its customer-centric focus has translated into highly competitive pricing, personalized service, a pathway for new investors, and one of the best online reputations, making Money Metals Exchange our choice as the best overall online gold dealer. 

Customers can easily navigate its website to shop for coins and bullion by category and weight. Beginning investors can get their feet wet in gold investing with an automatic monthly savings plan starting at $100 a month. They advertise the price to be as low as $105 over spot pricing on a 1oz Gold American Eagle Coin.

Money Metals locks in your price for 10 minutes to allow you to finish entering your information and payment method, which can be bank wire transfer, bitcoin, credit or debit card, money order, PayPal, or check. There is a 4% processing fee on PayPal and card orders. All payment types have a different purchase limit. Cards are limited to $1,700, PayPal is limited to $3,000, and ACH is also limited to $3,000. Other methods have much higher limits.

Shipping is free on all orders over $500, which is not such a high bar considering the cost of gold. For orders under $500, the shipping charge is $7.97. Money Metals offers a three-day return policy and may apply a 5% restocking fee on credit card orders. The dealer also offers a buyback program claiming to pay the highest price among its competitors. 

Money Metals offers vault storage in Delaware and Massachusetts in Class 3 vaults. Your metals are fully segregated and fully insured. They also provide responsive customer service during business hours via live chat, phone, or email. Its website also has an extensive resource library to help new investors learn and experienced investors stay on top of the market. Money Metals also provides price alerts for investors waiting for their price to buy. 

Best Comprehensive Offering : APMEX (American Precious Metals Exchange)


APMEX

 APMEX

With more than 46,000 products to offer, APMEX (the largest online precious metals dealer globally) makes our list as the online gold dealer with the best comprehensive offering.

Pros
  • Extensive product selection

  • 7-day return policy

  • Robust customer service

  • Solid online reputation

  • Long track record

Cons
  • Different prices depending on your payment method

American Precious Metals Exchange (APMEX) has built itself into a global precious metals powerhouse since its founding in 2000. It's not surprising that it has the largest selection of precious metals products, making it our choice as the online gold dealer with the best comprehensive offering.

In addition to a wide range of gold and silver bullion and coin products, APMEX also has an extensive selection of platinum and palladium products. Its coin selection is a virtual United Nations, representing coins from the U.S., Canada, Australia, South Africa, Mexico, and beyond. APMEX is also one of the best sources for collectors, offering a wide variety of coins and old banknotes.

While APMEX doesn't have the lowest prices around, its significant sales volume allows it to at least be competitive. A major drawback is that they charge different prices for different payment methods. APMEX also offers volume based pricing and bulk discounts on bullion and coins on purchases. The quantity tiers are 1-9, 10-19, 20-99, and 100+.

Ease-of-use is also a strength of APMEX, with easy navigation to browse products and a quick four-step checkout process. Once you begin an order, you have 10 minutes to finalize the purchase to lock in current pricing.

Another key advantage is APMEX's free shipping on any order over $199. There is no minimum order requirement. Orders under $199 are charged a $9.95 shipping fee. Insurance is included on all shipped packages. Orders paid by credit card, PayPal, cryptocurrency, and wire transfers may qualify for APMEX's QuickShip Program, which provides next-day processing for U.S. orders.

If you want your gold stored, APMEX will ship it to Citadel Global Depository Services, one of the world's largest private storage facilities where it will be stored for an annual fee.

You have many payment options with APMEX, including credit or debit card, paper check, bank wire transfer, PayPal, bitcoin, and eCheck. Payments may take up to five days to clear depending on your payment method, but some methods clear faster.

APMEX offers a 7-day return and refund on any order but reserves the right to charge a restocking fee of $50 or 10% of the purchase amount. It also provides customers with a quick-and-easy buyback process.

APMEX is committed to providing excellent customer service and education. Customers can contact its service center via live chat, email, or phone during business hours but may place orders 24/7 all week long. New investors will appreciate APMEX's resource center on its website, providing educational information along with current insights on buying gold.

Best Customer Experience : JM Bullion


JM Bullion

JM Bullion

JM Bullion provides its customers with a user-friendly website, transparent pricing structure, dedicated customer support, and investor-friendly features, making it our choice as the online gold dealer with the best customer experience.

Pros
  • Low shipping costs and low free shipping threshold

  • Clean and easy-to-use shopping site

  • Several hundred thousand positive reviews

Cons
  • Doesn't sell internationally

Since its founding in 2011, JM Bullion has quickly grown to become Inc.com's "fastest-growing precious metals company" in the U.S. That growth can be attributed to JM Bullion's commitment to offering a wide selection of products, transparent pricing, dedicated customer support and a simple purchasing process. This makes it our choice as the online gold dealer with the best customer experience. 

Its product selection is extensive, with a wide variety of gold, silver, platinum, copper, palladium coins, and bars, priced without commissions or additional fees. Different payment methods have different prices. JM Bullion offers members of the military the same discount it offers on bulk purchases. 

Payments can be made by ACH transfer (up to $100,000), cryptocurrency (up to $250,000), paper check (up to $75,000), credit or debit card (up to $25,000), PayPal (up to $25,000), and bank wire transfer (up to $250,000). Credit card and PayPal payments are charged 4% more and cryptocurrency 1% more via a "discount" for the other methods.

Shipping is free for orders of $199 or more and includes insurance costs. For orders less than $199, you'll pay $7.99 (more if you upgrade your shipping method at checkout). You can also choose to have their gold shipped free to JM Bullion's storage partner, TDS Vaults, a high-security depositary with several locations worldwide. 

JM Bullion offers a five-day return policy. While it doesn't indicate on its website whether there is a restocking fee, you are responsible for market losses. The dealer has a minimum buyback policy of $1,000. You can visit its website to see its current buyback prices.

JM Bullion prides itself on its dedicated customer support, which is accessible during business hours via live chat, email, and phone. The company has great reviews on Trustpilot.

Best Low-Price Option : SD Bullion


SD Bullion

 SD Bullion

SD Bullion does offer low prices compared to the other dealers on this list, and it backs that up with a low-price guarantee, which is why it's our choice as the best option for low prices.

Pros
  • Low-price guarantee

  • Low-cost direct storage

  • Solid online reputation

Cons
  • Three-day return policy

  • Stiff order cancellation fee

  • Product offering somewhat limited

If a dealer asserts itself as the "lowest cost" online gold dealer in the U.S., it should back its claim with a low-price guarantee. That's just what SD Bullion does, making it our choice as the best low-price option for gold investors. 

SD Bullion offers a full array of precious metals, including gold, silver, platinum, copper, and palladium, but their selection of products is more limited than some of their top competitors. For investors looking for the best deal with no brand preference, SD Bullion can't be beaten.

The company offers free shipping on orders over $199 ($9.95 flat rate for orders under $199). As we've already stated, it offers great prices and if a customer spies a price lower than SD Bullion's, the dealer will match it. 

If payment is not received by the payment deadline, your order will be subject to a market loss fee, a 5% cancellation fee, and any collection expenses incurred by SD Bullion. SD Bullion offers a full array of payment options, including:

  • Bitcoin (up to $250,000)
  • Cashier's check (up to $20,000)
  • Credit or debit card (up to $5,000)
  • E-check (up to $10,000)
  • PayPal (up to $5,000)
  • Personal check (up to $20,000)
  • Wire transfer ($20,000 and up)

PayPal and credit card payments are charged a 4% processing fee and Bitcoin 1%. If you choose to have your gold stored, you can open a storage depository account and have your gold stored directly with SD Bullion and fully insured by Lloyd's of London. The cost is free for the first three months; storage fees are as low as $9.99 a month based on the amount stored. 

Returns are accepted within three days of delivery, but refunds are not guaranteed. SD Bullion will determine if it will accept your return request. A stocking fee—5% of the purchase or $35, whichever is higher—is charged, and SD Bullion may require you to cover the cost of any market loss. SD Bullion will purchase your gold, though buyback prices are not published. Payments are issued within one to three days after SD Bullion receiving the item.

SD Bullion's customer service reviews are generally positive, with customers reporting good access to representatives through chat, email, and phone. Many of the comments highlight the speedy ordering process and reasonably quick deliveries. SD Bullion has earned high ratings from Trustpilot users, which give it 4.6 out of 5 stars.

Best for Gold Coins : BGASC


BGASC

 BGASC

As its name implies, BGASC (Buying Gold and Silver Coins) is one of the best sources for gold bullion coins sold at reasonable prices, making it our choice for the best online gold dealer for coins.

Pros
  • Best selection of gold coins

  • Competitive pricing on gold coins

  • Excellent customer support

  • Solid online reputation

  • Fast shipping

Cons
  • Limited payment options

  • Limited bullion offering

  • No live chat

  • Three-day return policy

Although BGASC offers a complete lineup of gold products, its primary focus is on selling gold bullion coins. Their selection of coins is vast, prices are highly competitive, and customer service is excellent, which is why BGASC is our choice for the best online gold dealer for coins. 

BGASC have managed to build a solid reputation, especially as a gold coin dealer. In addition to a great selection of all the essential standbys—such as American Eagles, Canadian Gold Maples, South African Krugerrands, Pre-1933 U.S. Gold, and Australian Gold Kangaroos—they maintain an extensive inventory of premium and rare numismatics. It also offers silver and platinum products. They do offer gold bars in all the standard sizes. 

Their products are priced very competitively. Their 1 oz. Gold American Eagle Coin was the cheapest of the vendors in this article.

One of the downsides of BGASC is its limited payment options. Currently, they only allow payments with paper checks (maximum of $100,000), PayPal (maximum $10,000), credit and debit cards (maximum of $10,000), and bank wire transfers (maximum of $400,000). 

Shipping is free for orders of $5,000 and over. While that may be a high bar for smaller investors, its $9.95 fee for orders under $5,000 is still affordable.

BGASC only offers a three-day return policy that will dock you for a 5% restocking fee on PayPal and credit card orders, along with a possible market loss fee on all returned products. They will also buy gold and silver from you with current prices listed on their website.

Customer reviews also praise BGASC's customer service, touting knowledgeable reps and quick response times (though they don't have live chat). As with most other online gold dealers, their customer service is accessible during business hours. 

BGASC has built a solid online reputation with a solid 4.8 out of 5 stars on Trustpilot on more than 7,200 reviews. BGASC is also a Certified Coin Exchange (CCE) member and an authorized dealer for the Numismatic Guaranty Corporation (NGC).

Best Reputation : Golden Eagle Coins


Gold Eagle Coin

 Gold Eagle Coin

Established as a family-owned business, Golden Eagle Coins has a nearly unblemished track record with thousands of positive reviews, making it our choice as the online gold dealer with the best reputation.

Pros
  • In business since 1974

  • Extensive selection of gold coins

  • Solid online reputation

  • Excellent customer service

  • Seven-day return policy

Cons
  • Limited selection of gold bars

Known primarily for its vast selection of gold coins, including collectible and numismatic coins, Golden Eagle Coins' started in 1974 and maintains a track record of customer satisfaction that is unmatched, which is why it makes our list as the most reputable online gold dealer.

You can't help but marvel at Golden Eagle Coins' extensive selection. In addition to the popular coins, such as American Eagles, South African Krugerrands, and Canadian Maple Leafs, investors can also find a great selection of pre-1933 coins, commemoratives, mint sets, and foreign coins from many countries. Golden Eagle Coins also sells silver, platinum, palladium, and copper coins.

Also, you won't find too many dealers that offer historical currency, such as Confederate notes and Colonial currency. Collectors are also impressed with its selection of ancient Arabic, Greek, Roman, and medieval coins. 

Golden Eagle Coins' pricing is low and competitive, but not quite as cheap as BGASC or SD Bullion. You go to Golden Eagle Coins for its selection and service, not necessarily for its pricing. 

Golden Eagle Coins offers all the standard payment options, including bitcoin, paper check, credit card, PayPal, and bank wire transfer. There's a $1,000 purchase limit for credit cards and a $2,500 minimum for bank wire transfers. Other minimums and maximums apply as well. PayPal and credit card orders are charged more as a type of fee.

Standard shipping is free for orders of $99 or more and $9.95 for orders under $99. You can upgrade your shipping speed to priority mail for $14.95 or express mail for $24.94. Golden Eagle Coins accepts returns for seven days following delivery. You may be responsible for a restocking fee and a market loss fee. Gold buying prices are listed on its website.

Though it doesn't offer live chat, Golden Eagle Coins receives high marks for its customer service from thousands of customer reviews. Response times to phone and email inquiries are fast, and the service is very responsive. Golden Eagle Coins' online reputation is impeccable. It scores 4.3 out of 5 stars based on more than 5,200 reviews on Trustpilot. It receives an even better 4.8 out of 5 stars from over 24,000 reviews on ShopperApproved.

Bottom Line

The online gold dealers above are reputable, reliable, transparent, and fair. But there is enough to differentiate these top dealers to attract investors for different reasons.

Not all precious metal dealers are trustworthy. Before you purchase, do your research, be wary of anyone promising easy profits, and learn to spot the signs of a scam.

If you're looking for the widest array of products in all categories. APMEX should be your first stop. However, if you value an exceptional overall customer experience, you should check out JM Bullion. If you're most concerned about pricing, few gold dealers can beat SD Bullion.

Many gold investors diversify by buying from several sources. But, if you want the best overall, one-stop-shop for your gold purchases, Money Metals Exchange should be at the top of your list.

Compare Providers

Category Company Shipping Policy
Best Overall Money Metals Exchange Free shipping over $500
Best Comprehensive Offering APMEX Free shipping over $199
Best Customer Experience JM Bullion Free shipping over $199
Best Low-Price Option SD Bullion Free shipping over $199
Best for Gold Coins BGASC Free shipping over $5,000
Best Reputation Golden Eagle Coins Free shipping over $99

What Is an Online Gold Dealer?

The top online gold dealers are trusted vendors offering everything from investment-grade bullion, coins, collectible gold pieces, and more. Customers can easily compare prices across multiple sellers and make a buying decision based on price and shipping speed. The top dealers offer options to take physical delivery of the gold or store it in a secured vault. Customers also have the option of selling their gold back to the dealer. 

How to Buy Gold Online?

Like many other products buying gold online can be as easy as point-and-click. The best dealers have a well-organized website with easy navigation to find and compare products by category (i.e., bullion by weight, coins, out-of-mint coins, etc.). When you find a product you want, you click on it to review the details. As with any online shop, you can add it to your cart. You can then enter the quantity you want. From there, you can continue to shop or move on to checkout. 

Once you start the checkout process with most dealers, your price is locked in for a short period, typically 10 to 15 minutes. You need to complete your purchase before the pricing expires, or you may see the price adjusted up or down based on how the market is moving. 

Once you complete checkout, you will receive an email confirmation along with ongoing shipping notifications. 

Can You Store Gold at Home?

Yes, you can store your gold in your home (except in the case of Gold IRAs). The question is whether you would want to. Nothing beats the security of having your gold stored in a highly reputable depositary, such as Brinks Global Services, which has vault locations throughout the country. 

For those who prefer to keep their gold close to them, the ideal place to store gold is a well-hidden, at-home safe. If you do store your gold at home, be sure to check that your homeowner's insurance covers its potential loss or damage. You may need to purchase additional coverage. 

Is Buying Gold Online Safe?

Buying gold online is as safe as any other transaction you make over the internet as long as you know you're dealing with a reputable company. The best dealers use SSL encryption and are PCI compliant. Plus, all their shipments are insured for their full value. 

The most significant risk you face is purchasing from an illegitimate company that sells fake products, overpriced inventory, or simply runs off with your money. As with any online purchase, you are your first and last line of defense against scammers. You need to do your due diligence on gold dealers by researching them online. 

How to Choose a Reputable Gold Dealer

Unquestionably, a company's reputation is the number one criteria to evaluate and compare gold dealers. The single best measure of a company's reputation is its transaction history, which can be assessed by customer reviews. Companies with a large number of reviews are typically more established (longer track record) or have built up their trust and reputation through a greater number of transactions. 

Additionally, you should look for the following when evaluating a dealer's reputation: 

  • Track record: Generally, the more established an online gold dealer is, the better. You will find some dealers on our list who've been in business for less than 10 years, so you should also look at their online reputation based on customer reviews. 
  • Physical company headquarters: You want to verify that the online gold dealer has a physical and traceable presence even if they don't have brick-and-mortar stores. Avoid any dealer who only lists a P.O. Box. 
  • Clear return and buyback policies: Most dealers allow for at least three days to return a product for returns. Check to see if there is a restocking fee and how much they charge. Legitimate dealers also have a buyback policy. Check on the requirements for selling your gold back to the dealer and whether they list their buyback prices. 
  • Transparent pricing: Gold prices fluctuate by the minute, so it's essential that the dealer provides clear pricing based on the most accurate and up-to-date prices. The best online gold dealers don't charge commissions or extra fees, but it's important to confirm that before finalizing your purchase. 
  • Payment options: It's important that a dealer accept your preferred method of payment. Most online gold dealers accept credit cards, checks, money orders, wire transfers, PayPal, and bitcoin. Just be aware that most charge a 3% to 4% fee for credit card purchases. 

Methodology 

A quick search of "online gold dealers" reveals dozens of results, which can be overwhelming when determining the best. Of the 13 remaining dealers, we applied our criteria of online reputation, length of track record, price transparency, payment options, shipping speed, absence of commissions and hidden fees, and customer service to narrow our choices for the best in six different categories. Depending on your specific needs and preferences, you can't go wrong with any of them. 

Article Sources
Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy.
  1. Global Gold Investments. "Historical Chart."

  2. Trustpilot. "JM Bullion."

  3. Trustpilot. "SD Bullion."

  4. Trustpilot. "Bgasc.com."

  5. Trustpilot. "Golden Eagle Coins."

  6. ShopperApproved. "Goldeneaglecoin.com Reviews."