One of the oldest precious metals dealers in the U.S. (since 1997) with $3B+ in transactions and a 24-hour risk-free purchase guarantee. Independent Lear
One of the oldest precious metals dealers in the U.S. (since 1997) with $3B+ in transactions and a 24-hour risk-free purchase guarantee. Lear Capital is offered by Lear Capital, Inc. and currently holds an average rating of 4.3 out of 5 across 2,700 user reviews. It falls into the Gold IRA category and tends to be the strongest fit for investors who want a long-established dealer with a risk-free cancellation window.
Editorial grade: B (composite score 79/100).
Monthly fee: ~$280 first year, ~$225/year after (storage + admin). Minimum to open: $10,000. Rates and promotional offers change often, so we re-verify every listed number on a rolling schedule and stamp the review with the date of the most recent check.
Our brokerage and robo-advisor reviews weight costs and fees (25%), platform and tools (20%), asset selection (15%), account types (10%), education and research (10%), customer support (10%), and trust and safety (10%). We place real trades, fund retirement accounts, and test research features before publishing a score. For this review of Lear Capital, our editors funded an account, walked through the full onboarding flow, and compared the experience to the other products in the Gold IRA shortlist. Scores are not influenced by affiliate relationships — partners cannot pay for better rankings, and our rubric is the same for every brand.
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