Bullion Dealer Comparison
JM Bullion vs SD Bullion vs Kitco vs Money Metals vs Silver Gold Bull vs Birch Gold
A straight comparison of the six precious metals dealers we work with, based on what actually differs between them.
Last updated July 2026
If you've spent any time shopping for gold or silver online, you've probably noticed the dealers all look pretty similar at first glance — inventory pages full of Eagles and Maple Leafs, spot price tickers, "as low as" pricing. The real differences show up once you get past the homepage: minimum orders, how they handle buybacks, whether they'll deal with an IRA custodian, and what happens if you actually need to call someone. That's what this page is about.
We work with six dealers as affiliate partners. We're not pretending to be neutral — we earn a commission if you buy through the links below — but the comparisons themselves are based on each dealer's published policies, not on who pays the highest commission.
Short version, if you're in a hurry:
New to bullion and want a dealer that's easy to deal with → JM Bullion
Buying in bulk and price is the deciding factor → SD Bullion
Want the name you already trust for spot pricing → Kitco
Care about a strong buyback program → Money Metals Exchange
Focused on silver, want buyback flexibility → Silver Gold Bull
Buying inside a retirement account → Birch Gold Group
Side-by-Side Comparison
| Dealer | Best For | Buyback Program | IRA Eligible | Metals Offered |
|---|---|---|---|---|
 |
First-time buyers | ✓DIY online tool, $1,000 min. | ✓Via New Direction Trust Co. | Gold, Silver, Platinum, Palladium |
 |
Large orders, lowest premiums | ✓Price locked by phone, not online | ✓Dedicated IRA page, via custodian | Gold, Silver, Platinum, Palladium |
 |
Buyers who follow spot pricing closely | ✓24/7 online, some fees on shipping | ✓Connects you to partner custodians | Gold, Silver, Platinum, Palladium |
 |
Buyback flexibility | ✓Competitive rates, in-house depository | ✓Works with New Direction Trust, others | Gold, Silver, Platinum, Palladium |
 |
Silver-focused buyers | ✓Online tool, doesn't guarantee top price | ✓Requires external IRA custodian | Gold, Silver, Platinum, Palladium |
 |
Precious metals IRAs | ✓Not guaranteed; priced near melt value | ✓Core specialty, $10,000 IRA minimum | Gold, Silver, Platinum, Palladium (IRA-focused) |
Buyback and IRA details verified against each dealer's published policies as of July 2026 — see the notes under each checkmark. Policies and terms change from time to time, so always confirm current details on the dealer's site before ordering.
A Closer Look at Each Dealer
JM Bullion
One of the more recognizable names in online bullion, and probably the easiest starting point if you've never placed an order before. Straightforward checkout, responsive support, and a product lineup broad enough to cover most first purchases without overwhelming you with options.
Shop JM BullionTrusted FRC Affiliate PartnerSD Bullion
SD Bullion has built its reputation around aggressive pricing, and it shows — if you're buying in quantity, their premiums over spot are consistently competitive. The tradeoff is a more no-frills experience than some of the other dealers here; you're paying for price, not hand-holding.
Shop SD BullionTrusted FRC Affiliate PartnerKitco
Kitco's spot price charts have been the industry reference point for decades, and that reputation carries over to their bullion sales. If you want to buy from a name you already trust for market data, this is probably it. Pricing tends to sit slightly above the pure discount dealers, which is the tradeoff for the brand recognition.
Shop KitcoTrusted FRC Affiliate PartnerMoney Metals Exchange
Money Metals leans hard into its buyback program, which matters more than people expect once they're ready to sell down the road. They also carry palladium and platinum consistently, which not every dealer stocks reliably.
Shop Money MetalsTrusted FRC Affiliate PartnerSilver Gold Bull
As the name suggests, this is a strong option if silver is your main focus — good selection of bars and rounds across weight sizes, plus buyback flexibility if you want an exit path built in from the start.
Shop Silver Gold BullTrusted FRC Affiliate PartnerBirch Gold Group
Birch Gold is built specifically around precious metals IRAs — if you're rolling over a retirement account into physical gold or silver, this is the dealer on our list set up to handle that process with a custodian, rather than a general bullion retailer that happens to also offer IRA options.
Shop Birch Gold GroupTrusted FRC Affiliate PartnerStill weighing two or three of these?
The table above covers the policies — this quick quiz factors in how you personally buy.
Which Bullion Dealer Fits You?
Answer four quick questions and we'll point you to the dealer that matches how you buy.
Have you bought bullion before?
What are you mainly buying?
About how much are you looking to spend?
What matters most to you in a dealer?
Based on your answers:
JM Bullion
Shop This Dealer Trusted FRC Affiliate PartnerAlso worth a look: Kitco
Affiliate disclosure: FindRareCoins.com may earn a commission on purchases made through links above at no additional cost to you.
Frequently Asked Questions
Are these dealers actually different, or is it all the same behind the scenes?
They're different companies with different pricing structures, buyback terms, and customer service teams. Spot price is the same everywhere since it's set by the market, but the premium each dealer charges over spot, and what happens when you want to sell back, varies enough to matter — especially on larger orders.
Which dealer has the lowest prices?
SD Bullion has generally positioned itself as the price leader among the dealers we work with, particularly on larger orders. That said, premiums shift with market conditions and product availability, so it's worth checking current pricing directly before assuming any one dealer is cheapest on a given day.
Can I use any of these dealers for a precious metals IRA?
Most of them offer some form of IRA-eligible products, but Birch Gold Group is the one built specifically around the IRA process, including working with custodians. If a retirement account is the goal, that's the one to start with.
Do you get paid if I buy through these links?
Yes. FindRareCoins.com earns a commission when you purchase through our affiliate links, at no additional cost to you. It doesn't change the price you pay, and it's how we keep this kind of comparison content free to use.
Affiliate disclosure: FindRareCoins.com may earn a commission on purchases made through links on this page at no additional cost to you.
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