What are you actually comparing?
Understand discounts without confusing a cash price with a card price. For this decision, put credit-card list price alongside qualified cash-method price and start by asking whether both quotes represent the same fine metal content, metal type, fineness and destination.
Bullion.com’s official pricing FAQ says many products have volume discounts and that some qualifying cash payment methods receive discounts relative to list price. Details and eligible methods may change.
The cost model
The comparable delivered cost is the quoted metal subtotal plus shipping, insurance, any payment-method charges and applicable sales tax. If the two offers have different fine-metal weights, divide each full delivered total by fine troy ounces before comparing the cost per ounce.
Premium per fine ounce = (delivered total ÷ fine ounces) − the corresponding spot price per ounce. Percentage premium = (premium per ounce ÷ spot) × 100. This is a cost metric, not a projection of investment returns.
How to check this purchase
Use a single product page and the same amount in the cart, then compare the specific payment options shown.
- Choose a precise product specification and intended quantity.
- Obtain current listings or written quotes from dealers at the same time.
- Use the same payment method and delivery location wherever possible.
- Run both totals through the delivered-cost calculator.
- Review fulfillment, authentication, refunds and realistic resale channels before paying.
Risks that the lowest price cannot capture
Counterfeit exposure, delivery delays, shipment loss procedures, liquidity and a seller’s actual buyback spread are not reducible to a single premium percentage. Larger purchases can require non-standard fulfillment or more documentation. Ask the seller for clear written terms; never treat an “as low as” badge as a binding quote.
Where to go next
Explore the dealers buying desk for related information, or open the dealer comparison to review the four merchants currently covered. Actual availability and pricing are controlled by the merchants, not by this publication.