Lear Capital Review – 2023 Update on BBB, Fee’s & More

Lear Capital Review – 2024 Update on BBB, Fee’s & Scam Risk

Disclaimer: Precious Metals Advice is made possible by our readers. Throughout our posts there are affiliate links to certain companies that we may earn commissions from. The opinions are strictly my own and are not influenced by brands or companies. Please read our Advertising Disclosure for more information.

We have conducted extensive research and have determined that Lear Capital is a safe company to invest in. Nonetheless, there are other companies in the market with better ratings and more affordable fees, which we will explore in our comprehensive review.

To see a list of the best companies in 2024 click the link below:

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If you’re in a rush, here are our top 3 picks with some information about them:


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#3 BEST FOR INVESTMENTS UNDER $5000: Birch Gold Group

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If you’re looking to make a physical gold investment, there are many factors to consider. You should familiarize yourself with the different types of forms in which you can buy gold, such as bars, coins, and rounds.

Investing in precious metals IRAs is another great option for those wanting to build their wealth for retirement purposes.

Lear Capital is one of the leading precious metals IRA providers for investments such as gold coins and bars, silver coins and bars, platinum coins, and palladium coins.

If you’re looking to learn more about Lear Capital from a customer’s perspective, you’ll be glad to know that customers have provided glowing reviews across multiple platforms.

With all this information in mind, Lear Capital is definitely worth looking into for a secure investing experience!


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#1 Readers Choice

Goldco is the leader in the Precious Metals Industry. From Precious Metals IRAs to direct purchases, Goldco has maintained a near perfect track record and therefore is our #1 recommendation for all our readers.

Lear Capital History

Lear Capital History

Lear Capital has been the USA’s most trusted Precious Metals leader since 1997 and they care deeply about your long-term financial security.

Whether you want to diversify your portfolio with bullion, add rare coins or secure tangible retirement protection with physical gold or silver in an existing IRA account, Lear Capital has a plan that is tailored for you.

Their streamlined acquisition process delivers fast and easy transactions, as well as a personal account representative who will be there to help you every step of the way.

Lear Capital knows that you have choices when it comes to investing in precious metals and stands out amongst competitors for their dedication to helping people safely invest.

Lear Capital Products and Services


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#1 Readers Choice

Goldco is the leader in the Precious Metals Industry. From Precious Metals IRAs to direct purchases, Goldco has maintained a near perfect track record and therefore is our #1 recommendation for all our readers.

Lear Capital has been providing precious metal IRA and investing services since 1997. When it comes to purchasing physical gold with Lear Capital, you have number of choices. You can buy coins, bars, or rounds in either gold, silver, platinum, or palladium.

They offer some of the most popular coins including American Eagle Gold coins and Canadian Maple Leaf Gold coins. Bars are available in weights ranging from 1 gram up to 1 kilo.

They also offer a variety of sizes and styles of rounds, including the popular American Buffalo Gold round.

When it comes to storage solutions, Lear Capital offers both domestic and offshore options that can be tailored to fit your individual needs. Domestic storage is handled by Brinks and is available for bars and coins.

Offshore storage services are provided by London Bullion Market Association (LBMA) approved storage facilities around the world. This includes locations in Switzerland, Singapore, Hong Kong, Canada, and Australia.

For those looking to invest in a precious metals IRA, Lear Capital can help you get started. They offer a wide range of options when it comes to the types of IRAs they can set up, including gold, silver, platinum and palladium.

The process is simple and easy – all you need to do is fill out the required paperwork with Lear Capital and they will handle the rest.

Lear Capital Gold, Silver & Platinum Coins

  • Liberty Gold Coins
  • American Gold Eagle Coins
  • Canadian Maple Leaf Gold Coins
  • Gold Australian Kangaroo Coins
  • Gold Buffalo
  • Polar Bear Proof Set
  • Gold Krugerrand (1 oz ) Coins
  • Austrian Vienna Philharmonic Gold Coins
  • American Eagle Silver Coins
  • Canadian Silver Maple Leaf Coins
  • Morgan Silver Dollar
  • Proof Silver Polar Bear ($8) Graded
  • Platinum Bar 1 Oz. (Varies)
  • Platinum Bar 1 Oz. (Varies)
  • Platinum Bar 1 Oz. (Varies)
  • Platinum Canadian Maple Leaf
  • Platinum American Eagle Coins

Lear Capital Precious Metals IRAs

Lear Capital Precious Metals IRAs

Lear Capital Precious Metals IRAs offer the opportunity to diversify your retirement funds by investing in gold, silver, and platinum. Lear Capital provides a secure way to invest in and store the physical metals you own.

You will receive free storage at a depository of your choice and have the option of selecting 90%-99% pure coins or bars.

Additionally, Lear Capital offers great customer service both before and after account opening. With Lear Capital Precious Metals IRAs, you can benefit from tax-advantaged investments and finally take control of your retirement investments with an established leader in precious metal investment services.

Lear Capital IRA Precious Metals Account Advantage

Lear Capital IRA Precious Metals Account Advantage

At Lear Capital, their goal is to make investing in precious metals simple and secure. That’s why they offer a wide range of options for your IRA accounts, from gold and silver to platinum and palladium.

With an array of competitively priced coins and bars available within the highest purity ranges, you can easily diversify your retirement portfolio with a few clicks.

In addition, you will also get the following:

  • Invest in physical gold, silver, and platinum
  • Secure your retirement savings against market volatility
  • Benefit from tax advantages
  • Gain security and peace of mind
  • Enjoy great customer service
  • Receive free storage in a depository of your choice
  • Utilize their secure and user-friendly online platform across web, mobile, and tablet
  • Select 90%-99% pure coins or bars
  • Experience fast and easy acquisition of your precious metals investments.

Open or Rollover a Precious Metals IRA Account


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#1 Readers Choice

Goldco is the leader in the Precious Metals Industry. From Precious Metals IRAs to direct purchases, Goldco has maintained a near perfect track record and therefore is our #1 recommendation for all our readers.

Lear Capital makes it easy to open or rollover a Precious Metals IRA account. The process is simple and secure, allowing you to start investing in gold and other precious metals within minutes.

To open a Lear Capital Precious Metals IRA, simply fill out the online application form and submit the required documents. Once your application has been approved, you will be able to make your first deposit into the account.

Convert Your 401(K) to Gold Investment With an IRA Rollover

Lear Capital also allows you to easily convert your 401(k) into a gold investment with an IRA Rollover.

You can transfer or rollover your existing ira account or retirement funds into a Lear Capital Precious Metals IRA for tax-deferred growth and enhanced asset protection.

Lear Capital Account Setup and Storage Fees

Lear Capital Account Setup and Storage Fees

For those looking for an alternative retirement savings plan, a precious metals-backed IRA can be a great option. What makes this route especially appealing is the straightforward fee structure — $280 for the first year and only $200 annually afterward.

This includes payment for storage, insurance to protect investments, as well as quarterly financial statements, and 24/7 account access.

Compare this to the often confused and complicated fee structures associated with traditional IRAs and 401ks that charge plan administration fees, individual service fees, and investment fees which many participants are unaware of according to AARP’s survey on 401k-aware participants.

With precious metals IRAs, you can rest assured knowing exactly what you’re paying for upfront without the hassle of hidden charges or uncertainties.

Lear Capital is an excellent option for investors who are looking to purchase precious metals such as gold and silver. Not only do they offer competitive pricing, but they will also pay for the set-up and storage account fees on purchases over a certain amount.

With their tiered coverage plan, you can be sure your precious metal investments are backed by reliable customer service and satisfaction. The tiered coverage is as follows:

  • $25K – $50K First-year fees-free. Reimbursement check sent after the first month in storage.
  • $50K – $75K First/Second-year fees-free
  • $75K + First/Second/Third-year fees-free
  • $10K $50 set-up fee covered

Pros & Cons of Lear Capital


  • Wide selection of coins & bars to choose from.
  • Secure storage options at competitive rates.
  • Tax advantages and potential long-term growth opportunities with precious metals investing.
  • 24*7 customer support at 1-800-885-5327.


  • Potential fees associated with certain transactions.
  • Not available to residents of all US states.
  • Costs associated with shipping & storage of precious metals.

How Lear Capital is Different From Other Precious Metals IRA Providers

Lear Capital stands out from other precious metals IRA providers for a few different reasons. For starters, they have been in business since 1997 and are dedicated to helping people safely invest in physical gold, silver, and other precious metals.

Lear Capital stands apart from other precious metals IRA providers with its customer-driven approach and commitment to exceptional customer service.

Lear Capital puts the customer first, focusing on the customer’s individual needs while providing a wide range of precious metals IRA options as well as knowledgeable guidance by qualified professionals.

Lear Capital educates each customer on how gold and silver work in traditional IRAs, empowering the customer with the information they need to make informed decisions about their finances.

Every Lear Capital Precious Metals IRA provides maximum security against market volatility while offering one of the few secured savings options available today.

With Lear Capital, customers receive the best service possible compromising of utmost personal and financial security.

Lear Capital Customer’s Ratings and Reviews

Lear Capital Customer’s Ratings and Reviews

Lear Capital has been providing top-notch precious metals IRAs for its customers for decades, and their customer reviews serve as a testament to its commitment to excellence.

Lear Capital scores consistently well with its customers – whether it’s their knowledgeable customer service, wide selection of products, or top-of-the-line security measures – Lear Capital receives ratings that match up favorably with the best in the precious metals IRA industry.

It’s easy to understand why customers come back time and again; Lear Capital is simply one of those rare companies that get it right on all counts.

“This was my 1st time buying precious metals. My Rep at Lear was very thorough in explaining all my options. They did not persuade me at all. They answered all my questions and allowed me to make my decision.

With all the info and details provided I am confident and excited about my decision to purchase. I highly recommend them to anyone looking to invest in precious metals.”
Pam Bents
5-star rating on Google

“My experience with Lear Capital was a positive one and Derick could not have been more helpful.

My only concern was it took a long time to receive my coin after my check had cleared the bank. Hope this helps. Thanks.”
5-star rating on Trustpilot

“Everything was received and in good order. Now I am just waiting for the market to adjust in my favor so I can, hopefully, make a profit on my investment.

I have found my representative, Kevin, to be very helpful, courteous, and quick in response to my assistance.”
Norman of Hemet
5-star rating on Consumer Affairs

Frequently Asked Questions Lear Capital

Lear Capital understands that investing in precious metals can be a nerve-wracking experience for many. That’s why Lear Capital offers its 24 Hours risk-free guarantee.

If you feel any uncertainty about a Lear Capital purchase within the first 24 hours of making the purchase, Lear Capital will buy back the item from you at full purchase price with no strings attached.

This gives Lear Capital customers much needed peace of mind when investing, regardless of market conditions or other external factors.

With this guarantee, Lear Capital is setting a new industry standard and demonstrating their commitment to delivering quality service to all customers.

No, Lear Capital does not charge an extra fee for making payments by credit card. They do, however, charge a 3% processing fee for all PayPal payments.

Yes, Lear Capital does provide access to financial advisors that can assist with making informed decisions about your investments.

Furthermore, their Smart Tools Suite provides the tools and resources needed to help you make sound investing decisions.

No, there are no hidden fees associated with a Gold & Precious Metals IRA from Lear Capital. They provide all the necessary information regarding setup and storage fees as well as any other applicable fees so that you can make an informed decision about your investments.

Yes, Lear Capital has security measures in place to ensure that all payments are safe and secure. All payments are processed through an encrypted payment gateway that is compliant with all necessary PCI-DSS regulations.

Lear Capital does not have a minimum order requirement, meaning you can buy as little or as much as you like. These metals can also be purchased with a variety of payment methods, including credit cards, bank wires, and PayPal.

Lear Metals offers an unbeatable 24-hour price-matching policy for all customers. When you order from Lear Metals, As soon as your purchase is confirmed, they will send out an invoice so that you can take up to 24 hours to compare our prices with other dealers.

If you find a lower price elsewhere during this time, simply contact them, and Lear Metals’ sales representative will match or beat that rate – if not, feel free to cancel absolutely free of charge!