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Bullion true cost calculator: delivered price by dealer
For 10 × 1 oz American Silver Eagle, paid by check, ACH or wire, the lowest delivered total we can work out right now is $585.80 at Agate Metals ($585.80 for the coins plus free shipping), as of Nov 11, 2026 9:49 AM ET. The highest of the 7 dealers we can price in full comes to $714.73, $128.93 more. Paying by card, the lowest delivered total is $623.17.
Source: single-unit check/wire and card prices read from dealer product pages by Bullion Price Check, Nov 11, 2026 9:49 AM ET; shipping and payment fees hand-read from each dealer's own policy page on Nov 9, 2026 (table below).
Delivered price for one product
Lowest delivered total: $585.80 at Agate Metals for 10 × 1 oz American Silver Eagle, paying by check, ACH or wire.
| Dealer | Items | Shipping | Payment fee | Delivered total | Dealer link |
|---|---|---|---|---|---|
| Agate Metals Partner | $585.80 | Free | — | $585.80 | View |
| Hero Bullion | $588.80 | Free | — | $588.80 | View |
| Bullion Standard | $575.20 | $23.97 | — | $599.17 | View |
| Summit Metals | $602.90 | Free | — | $602.90 | View |
| SD Bullion Partner | $624.10 | Free | — | $624.10 | View |
| APMEX | $691.10 | Free | — | $691.10 | View |
| At Cost Metals Partner | $683.10 | $25.00 (up to) | $6.63 | $714.73 | View |
Source: single-unit check/wire and card prices read from dealer product pages by Bullion Price Check, Nov 11, 2026 9:49 AM ET; shipping and payment fees hand-read from each dealer's own policy page on Nov 9, 2026 (table below). Sorted by delivered total, lowest first; partners pay to list, never to rank (methodology).
Cheapest way to buy a set amount of metal
Pick a metal and how many troy ounces you want. The calculator prices enough of each coin, bar or $1-face lot to reach that amount, adds shipping and payment fees, and sorts by delivered total.
Cheapest way to get at least 10 oz of silver: 14 × 90% "Junk" Silver – $1 Face Value at Monument Metals, $534.80 delivered (10.01 oz, $53.43 per oz).
| Buy | Dealer | Metal you get | Delivered total | Per oz | Dealer link |
|---|---|---|---|---|---|
| 14 × 90% "Junk" Silver – $1 Face Value | Monument Metals | 10.01 oz | $534.80 | $53.43 | View |
| 1 × 10 oz Silver Bar | MintBuilder | 10 oz | $543.50 | $54.35 | View |
| 10 × 1 oz Silver Buffalo Round | MintBuilder | 10 oz | $548.40 | $54.84 | View |
| 10 × 1 oz British Silver Britannia | MintBuilder | 10 oz | $548.90 | $54.89 | View |
| 10 × 1 oz Silver Buffalo Round | Agate Metals Partner | 10 oz | $551.60 | $55.16 | View |
| 14 × 90% "Junk" Silver – $1 Face Value | Agate Metals Partner | 10.01 oz | $551.74 | $55.12 | View |
| 1 × 10 oz Silver Bar | Agate Metals Partner | 10 oz | $554.22 | $55.42 | View |
| 10 × 1 oz Silver Buffalo Round | Monument Metals | 10 oz | $558.90 | $55.89 | View |
Source: single-unit check/wire and card prices read from dealer product pages by Bullion Price Check, Nov 11, 2026 9:49 AM ET; shipping and payment fees hand-read from each dealer's own policy page on Nov 9, 2026 (table below). Top 8 shown. Junk silver counts 0.715 oz per $1 face (worn-coin convention).
How the delivered total is worked out
- Items: the dealer's current single-unit price times your quantity (check/wire price, or the card price the dealer lists).
- Shipping: the dealer's published domestic fee for that order size, or free above its threshold. At Cost Metals publishes a range ($6.38 to $25), so we use $25.
- Payment fee: only where a dealer publishes one separately from its prices (At Cost Metals).
- Not ranked: a dealer with no published fee for that order size, or no card price, is listed under the table but never ranked. Unknown shipping is never counted as free.
What the total leaves out
- Sales tax. Many states exempt bullion; some tax it. Check your state.
- Quantity discounts. We use each dealer's single-unit price. Many dealers charge less per coin at 20, 100 or 500 pieces, so large orders may come in lower.
- Payment limits and member prices. Some dealers cap card orders or set a wire minimum; At Cost Metals also sells to paid members at lower prices, which we do not rank.
Shipping fees we use
| Dealer | What the dealer publishes | Source |
|---|---|---|
| Agate Metals | Free shipping on every order (confirmed by Bullion Price Check's owner on Nov 9, 2026; agatemetals.com shows a FREE SHIPPING badge on its products, and its terms say orders ship fully insured with tracking, but no written policy page states the fee). | owner-confirmed Nov 9, 2026 (dealer terms) |
| APMEX | Free shipping over $199; orders under $199 pay $9.95. | policy page, read Nov 9, 2026 |
| At Cost Metals | Shipping $6.38 to $25 per order, waived above 10 oz of gold or 500 oz of silver. Funding fees: ACH +0.97%, bank wire +$20, card +3.99%. | policy page, read Nov 9, 2026 |
| Bullion Standard | Free at $10,000 and up; $23.97 below $10,000. | policy page, read Nov 9, 2026 |
| Golden Eagle Coins | Shipping section of the policy page did not load for us (re-tried Nov 9, 2026; first tried Oct 30, 2026); treated as unknown. | policy page, tried Nov 9, 2026 |
| Hero Bullion | Free over $149; the fee below $149 is shown only at checkout. | policy page, read Nov 9, 2026 |
| MintBuilder | Free over $199 (cash price); $9.95 at $199 or less. | policy page, read Nov 9, 2026 |
| Monument Metals | Free on orders of $199 or more; $7.99 below $199. | policy page, read Nov 9, 2026 |
| SD Bullion | Free over $199 (cash price); $9.95 at $199 or less. | policy page, read Nov 9, 2026 |
| Summit Metals | Free from $500 to $2,000; below $500 the fee is not published; over $2,000 a signature/insurance surcharge applies (amount not published). | policy page, read Nov 9, 2026 |
JM Bullion, Money Metals, BGASC, Provident and Kitco have no prices in our feed, so they do not appear here. Bullion Price Check does not sell metal; it compares prices.
Frequently asked questions
What is the true cost of buying gold or silver online?
It is the price of the coins or bars plus shipping, plus any fee for how you pay. A dealer with the lowest listed price can still cost more delivered on a small order if it charges for shipping. This calculator adds the dealer's published shipping fee and payment fee to today's listed price and sorts dealers by the total.
Is it cheaper to pay by wire or by credit card for bullion?
Usually by wire, check or ACH. Most dealers list a cash price and a card price about 4% higher; switch the payment box to see the card totals. At Cost Metals instead adds a funding fee: 0.97% for ACH, $20 for a wire or 3.99% for a card, per its How It Works page.
Which dealer has free shipping on small bullion orders?
Among the dealers we list, free-shipping thresholds run from $149 (Hero Bullion) to $10,000 (Bullion Standard), per each dealer's policy page read Nov 9, 2026. The shipping table on this page shows every rule we use.
Why are some dealers not ranked?
We only rank a dealer when we can work out the full delivered total. If a dealer does not publish its shipping fee for that order size, or does not list a card price, it is shown below the table with its item price but not ranked. Unknown shipping is never treated as free.
Related: premium checker · dealer comparison: card surcharges and free-shipping thresholds · cheapest bullion by product · what is premium over spot