Lear Capital Earns Higher Trust From Investors
Lear Capital has a clear edge when it comes to customer ratings.
With a 4.9 on Trustpilot (2,500+ reviews) and a perfect 5 on Consumer Affairs, it consistently receives praise for its service, education, and account executive support.
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Money Metals, while generally well-reviewed, has a more mixed record with a 3.3 on Trustpilot and 4.4 with the BBB.
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Negative feedback for Money Metals often revolves around shipping delays, whereas Lear Capital’s main concern is a higher investment minimum. Overall, Lear Capital earns more trust across platforms.
Where to Buy Gold: Money Metals vs. Lear Capital
Our preferred choice for direct gold and silver purchases is Money Metals Exchange, mainly due to its pricing transparency, flexible payment methods, and monthly savings program.
Where they’re both strong:
Product Variety: Both offer gold, silver, platinum, and palladium in various forms including coins and bars.
Buyback Programs: Each has a structured buyback process, allowing investors to liquidate holdings when needed.
Payment Flexibility: Both dealers accept bank transfers, checks, credit cards, and even cryptocurrency.
Where Money Metals Exchange stands out:
Monthly Savings Plan: Lets investors buy gradually with automatic payments and discounted pricing.
Transparent Pricing: Spot prices are visible in real-time, with clearly listed payment fees and storage costs.
Unique Product Options: Includes items like rhodium bars and novelty silver pieces (bullets, blocks).
Lower Minimum Purchase: No large investment required, making it accessible for small investors.
Where Lear Capital stands out:
Numismatic Coins: Offers rare and collectible coins beyond standard bullion, ideal for collectors.
Dedicated Account Executive: Personalized investment support and strategy guidance.
Free Insured Shipping: All qualifying orders ship at no cost and are fully insured.
While Lear Capital excels in service and collector options, Money Metals Exchange is more approachable for frequent or small-scale buyers who value affordability, automation, and transparent pricing.
Which Is Better for a Gold or Silver IRA?
Our preferred choice for precious metal IRAs is Lear Capital, thanks to its experience, storage security, and strong investor support system.
Both Lear Capital and Money Metals Exchange support Gold and Silver IRAs using IRS-approved custodians and vaults. However, several key differences set them apart:
Where both are strong:
IRA-Eligible Metals: Each offers a full range of approved gold, silver, platinum, and palladium.
Secure Storage: Both use insured, IRS-approved depositories for retirement accounts.
Customer Support: Teams assist with setup, rollovers, and IRA funding.
Where Lear Capital stands out:
Experience: In operation since 1997, Lear has a longer track record and specializes in retirement-focused investing.
Storage Facility: Uses the Delaware Depository with 24/7 monitoring and full insurance.
Fee Structure: While fees exist, they’re transparent—and large investments get waived fees for up to three years.
Account Support: Each investor gets a dedicated account executive to handle everything from rollovers to asset selection.
Faster Setup: Accounts are typically created in one business day, with fund transfers completed within five.
Where Money Metals falls short:
Fewer Custodian Options: Mostly recommends one custodian (New Direction Trust Company).
No Published IRA Fees: Lack of clarity around ongoing administrative fees could be a concern for some investors.
Limited Service Tools: No dedicated mobile app or advanced IRA tools.
For long-term retirement investors, Lear Capital offers a smoother and more reliable experience, especially if you’re rolling over a large IRA or want a guided, hands-off approach.
Final Verdict: Money Metals vs. Goldco
Overall, we recommend Money Metals Exchange for buyers seeking flexibility and affordability, while Lear Capital is better suited for serious retirement investors who value support and structure.
- Ratings Winner: Lear Capital — backed by thousands of high reviews and long-standing customer trust.
- Best for Direct Purchase: Money Metals Exchange — thanks to its flexible savings plan and accessible pricing.
- Best for IRA: Lear Capital — with its end-to-end retirement support and fee waivers for large accounts.