Bullion Price Comparison
Compare live coin and bar prices and premiums over spot across major dealers. Every premium is judged Cheap, Normal, or Elevated against its category, and rankings are by lowest premium.
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Gold
Silver
Platinum
Lowest Premium Platinum
Ranked by lowest premium
Palladium
Lowest Premium Palladium
Ranked by lowest premium
Premium by Category
| Category | Avg Premium | Best Deal | Cheapest Product | Products |
|---|---|---|---|---|
| Gold Coins | +2.98% | +1.53% | 1 oz American Gold Eagle | 5 |
| Gold Bars | +2.19% | +1.94% | 10 oz Gold Bar (Generic) | 2 |
| Silver Coins | +8.97% | +4.95% | 1 oz American Silver Eagle | 4 |
| Silver Bars & Rounds | +10.91% | +6.44% | 10 oz Silver Bar (Generic) | 4 |
| Platinum | +14.26% | +11.75% | 1 oz Platinum Maple Leaf | 3 |
| Palladium | +25.87% | +14.40% | 1 oz Palladium Bar (Generic) | 3 |
| Fractional Gold | +13.51% | +13.51% | 1/10 oz Gold Maple Leaf | 1 |
| Junk Silver | -0.68% | -0.68% | 90% Junk Silver ($10 Face) | 1 |
Tracked Dealers
How bullion premiums work
Every coin and bar sells for more than its metal is worth. That gap, the premium, covers minting, distribution, and dealer margin. Premium is the true cost of owning physical metal: two products with the same metal content can differ by several percent, and the same product varies from dealer to dealer.
We compare each dealer's cash or wire price, the lowest and most comparable basis, against the live spot price times the product's fine metal content. A 22-karat coin like a Gold Eagle still contains a full troy ounce of pure gold, so its premium is measured against a full ounce of spot, not its gross weight. Each premium is then labeled Cheap, Normal, or Elevated against the typical range for that product type. See our melt value calculator for the intrinsic value of any holding.
Premium Badge Ranges
| Category | Cheap | Normal | Elevated |
|---|---|---|---|
| Gold Coins | < 5.0% | 5.0% to 8.0% | > 8.0% |
| Gold Bars | < 3.0% | 3.0% to 5.5% | > 5.5% |
| Silver Coins | < 20.0% | 20.0% to 35.0% | > 35.0% |
| Silver Bars & Rounds | < 10.0% | 10.0% to 16.0% | > 16.0% |
| Platinum | < 8.0% | 8.0% to 14.0% | > 14.0% |
| Palladium | < 12.0% | 12.0% to 20.0% | > 20.0% |
| Fractional Gold | < 9.0% | 9.0% to 13.0% | > 13.0% |
| Junk Silver | < 5.0% | 5.0% to 10.0% | > 10.0% |
Frequently Asked Questions
- What is a bullion premium?
- The premium is how much a coin or bar costs above its melt value (the live spot price times its fine metal content). A 1 oz silver coin priced at $54 when silver spot is $40 carries a $14, or 35%, premium. Premium is the real cost of buying physical metal, so the lowest-premium product is usually the most cost-effective way to buy an ounce.
- How do you compare prices across dealers?
- For each product we track every dealer's cash or wire price (the lowest, most comparable basis, since credit-card and PayPal prices run about 3 to 4% higher) and compute its premium over spot. Rows are sorted cheapest first, and the lowest in-stock price is badged. Always confirm the final price, shipping, and payment-method fees on the dealer's site before buying.
- Why do fractional coins have higher premiums?
- Minting cost is nearly fixed per coin, so a 1/10 oz gold coin spreads that cost over one tenth the metal and carries a much higher percentage premium than a 1 oz coin. Compare fractional coins to other fractional coins, not to 1 oz coins.
- How often are the prices updated?
- Prices are collected from dealer websites on a recurring schedule and each row shows when it was last checked. Dealer prices move continuously during market hours, so treat the figures as a recent snapshot and verify at the dealer before purchasing.
- What does a Cheap or Elevated premium badge mean?
- Each premium is labeled Cheap, Normal, or Elevated against typical ranges for that product type. A Cheap badge means the premium is low versus what that coin or bar usually carries, which is generally a better time to buy an ounce. Fractional coins and small bars always carry higher premiums, so the badge is judged within each category.