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Lear Capital – Worth the invesment or not?

Read our full review on this gold company


lear capital gold ira review logo
Ranked #11 of 68

Lear Capital

3 / 5

lear capital gold ira review logo
See our top rated Gold IRA Companies of 2023
Ready to Protect Your Retirement Savings?
The best about Lear Capital Gold IRA
  • Real-time pricing

  • First-rate customer support

  • Flexibility to deposit and withdraw money whenever

  • Easy to create an account

Ready to Protect Your Retirement Savings?
Lear Capital
Before we get started with this review:
  • Choosing a business you can rely on with your precious savings is challenging. We are aware of this, which is why we produce informative content to provide you with as much knowledge as possible before making a choice.

    We have compiled a list of our top-rated investing firms so that comparing and selecting one that best meets your needs will be as simple as possible.
    >>CLICK HERE to read our list of the top gold investing companies.<<

    Look to see if Lear Capital was selected to our list this year!


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Lear Capital Review

Do you wonder if Lear Capital is the best fit for buying precious metals? You will find out in this comprehensive Lear Capital review. Lear Capital is one of the top-ranked precious metal dealers in the United States. They hold physical gold and other precious metal IRAs for your retirement account and precious metals investing.

You may also discover a comprehensive resource library on their website, including market charts, an encyclopedia of precious metals, and user manuals on retirement plans and precious metal investments.

The precious metals IRA, however, also offers the same tax benefits as a normal IRA, such as your regular retirement accounts. Each client pays a yearly fee of $180. This cost includes quarterly financial reports, insurance, 24/7 online account access, and storage. This review covers; pricing, ratings, products, customer feedback and more. The company is ranked #8 out of 16 of the best gold and silver IRA companies in the United States.

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lear capital gold ira review homepage

Our Rating Categories

The Lear Capital Gold IRA review will cover the following:

  1. Product range and Services
  2. Pricing
  3. Customer care
  4. Company reliability
  5. Customer review

Lear Capital Review: Our Verdict #11

On top of its precious metals IRA, Lear Capital offers investment news and blogs, they assist consumers with IRA precious metals accounts, and invest in precious metals such as physical gold inside and outside retirement plans.

  • Assurance of a smooth transaction
  • Buyback program with no fees
  • Professional customer service is available to answer any questions and assist consumers

Indeed, Lear Capital is safe. The gold is kept in an IRS-approved depository vault at the Delaware Depository. Lloyds of London has underwritten a comprehensive insurance policy that protects your assets from physical loss or damage.

Review of Lear Capital: Overall Rating: 3/5

Lear Capital Pros & Cons

  • Benefits of a flat fee structure

  • They provide a variety of precious metal investing choices.

  • Competent customer care specialists make IRA investment simple.

  • You may easily order products online.

  • Quick account opening procedure

  • Bonus metals worth up to $15,000

  • Price-matching commitment

  • If you have a small amount to invest, fees may be high.

  • You cannot open an account without waiting for a representative to contact you.

  • The firm concentrates on gold and silver, with very few chances to invest in other precious metals.

  • The website might be difficult to use.

lear capital gold ira review products and services

Lear Capital Review: Key Summary

Experience Founded in 1997, Lear Capital has over 20yrs of experience in the precious metals industry. In its 20 years of operation, LCI has processed approximately $3,000,000,000 in financial transactions.
WebsiteThe company controls a website that is user-friendly but challenging to navigate.
Client Education Lear Capital provides various educational materials, such as; coin encyclopedias, Precious metals news, free investor kits, career opportunities, etc. Click here to access their educational material.
Customer Service According to several customer testimonies, customer service provides beneficial and educational information. They respond to all clients and address all issues.
Available Precious Metals OfferThey deal in precious metals like: gold, bullion, silver, and rare coins.
Physical Storage  The gold is kept in an IRS-approved depository vault at the Delaware Depository.
Other Investments Available They offer various precious metal catalogs of gold and silver. 
Annual FeesLear Capital will charge you $260 for the first year. After that, you'll have to pay a $180 yearly charge.
Trust link Rating4.9/5
Consumer Alliance RatingAAA

The Bottom Line

For investments in gold and silver, their reputable customer service representatives make things simple. They can walk customers through the investment process over the phone at any time.

Lear Capital Gold IRA Services: Product Range and Services

The review also expatiates on the suitable gold to invest. Lear Capital Gold IRA offers wide range of precious metals, such as:

Numismatic Rare Coins

Another form of currency that investors and collectors pay a premium for is numismatic coins because of their scarcity. The rarest coins in the world are available there.

In fact, you should know that the company belongs to the Business Consumer Alliance, the Industrial Council for Tangible Assets, the Professional Coin Grading Service, the Numismatic Guaranty Corporation, and Trust Link.

  • American gold Eagle: 1oz $2,070.66.
  • Gold Krugerrand coin: 1oz $1,999.25 and
  • Silver American Eagle: 1oz $37.52 which can all be purchased from here.


The company specializes in preserving high contents of precious metals such as gold and silver and transforming them into gold bullion and silver bullion, platinum bullion which are a sort of money.

Bullions come in the shape of ingots, bars, or unique coins, and their values are often higher than ordinary currencies. Bullions are also used as a kind of emergency currency by governments and individual persons.

Austrian Gold Philharmonic Bullion Coin: 1oz $2,003.56 can also be purchased here. These are examples of Lear Capital products.

Self-directed IRAs

The organization allows you to invest in a precious metals IRA whether gold or silver self-directed IRAs while moving money or rolling over a portion of your existing IRA.

The metals are carefully housed at a facility. The precious metals IRA provides the same tax benefits as a traditional IRA.


With a Lear Capital account your investment process is safe and smooth. You can also invest in other precious metals with good rates. They may also charge some rate and storage fees on purchases of the right gold IRA.

Lear Capital Gold IRA Costs/Fees

Customers who have open accounts with Lear Capital will be charged $260 for the first year. After that, you'll have to pay a $180 yearly charge, no hidden fees and a written account agreement.

This charge includes shipping, insurance, round-the-clock online user login, and quarterly financial statements. They also help you add these coins to your existing IRA account.

Minimum Investment

Lear Capital demands a minimum investment of $7500.

lear capital gold ira review educational materials

Customer Care

For more information you can visit the Lear Capital website or speak with a Lear Capital representative. They will provide you with all you need to know about precious metal coins and retirement accounts.

  • Email:
  • Phone: 1-800-576-9355
  • Adress: 1900 S. Bundy, 90025 Los Angeles, United States

Lear Capital Gold IRA Educational Materials 

Lear Capital offers customized services and education. The company takes pride in its dedication to customized service and education. One tool it provides to inform customers about the precious metals market is the coin encyclopedia.

The coin encyclopedia can teach you about the various coin varieties and their values if you are new to precious metal investments and investing in alternative currencies.

Company Reliability 

Lear Capital has been in the precious metals industry for almost two decades, serving over 70,000 consumers throughout that period.

As of September 20, 2022, Lear Capital has got a triple A rating from the Business Consumer Alliance, 4.9 ratings from 862 reviews on Trustpilot, and a 4.7 rating from Consumer Affairs.

Lear Capital Gold IRA Company History and Background

Lear Capital, founded in 1997 with headquarters in Los Angeles, California, has led the precious metals business in the United States.

The organization works hard to get new consumers and retain existing ones by delivering outstanding service.

Lear Capital allows you to purchase, sell, and exchange rare coins, and bullion.

Lear Capital Review: Customer Reviews 

Evidence from first-hand Lear Capital clients/customers attest to its products and services. 90% of them found customer care very reliable, engaging, and helpful. A reliable source once said on Trustpilot in 2022 that they feel that they are honest, professional and sensitive to customers.

In fact, we found out that almost all of these customers are really satisfied with their products and services.

Customers are open to receiving the Lear Capital educational material, the Coin encyclopedia, which teaches clients various varieties of coins.

Customer Reviews 2021

Lear Capital is a well-known metals company that has been in operation for over 20 years. It helps you invest in precious metals. Many customers have given the firm positive feedback. The company received many top verified ratings on Trustpilot on March 15, 2021.

Customers also testified to making several purchases and investments from Lear Capital also as far back as 2014.

Lear Capital Management Review

Several customers from way back in 2014 till date rates its management service 4.9/5. One customer in a review in 2014 said that it is refreshing to do business with Chris and a company that shares the exact value of good customer service (Trustpilot).

Another said Alex called her from Lear Capital management about an exceptional opportunity to get the next polar bear silver series. This sort of management process which Lear Capital offers motivates gold investors and keeps good customer relationships.

Lear Capital Gold IRA Independent 3rd Party Customer Reviews

The company is rated a B from the BBB (Better Business Bureau), and also AAA Rating from BCA (Business Consumer Alliance).

Lear Capital is also rated A + for customer services. Also, as of September 20, 2022, 4.9 out of 5 stars ratings on Trustpilot.

How Does Lear Capital Gold IRA Compare to Other Gold IRA companies?

You might be wondering what service Lear Capital offers that its competitors do not offer. With this table we highly recommend Lear Capital for your retirement accounts. Note that every investment carries risk but trust Lear they are part of the industrial Council for Tangible Assets.

Average star ratings
  • BBB logo

    BBB: B

  • BCA

    BCA: AAA

  • Trustpilot

    Trustpilot: 4.9/5

  • trustlink

    Trustlink: 4.5/5

Lear Capital vs the competition
lear capital gold ira review logo
Lear Capital

Best Customer Reviews

  • Gold, Silver, Platinum & Palladium

  • $10,000

    $5,000 non IRA

  • 80$

    80$ Annually

  • $100


  • A+

  • AAA

  • None

goldco precious metals IRA

Best for inflation protection

Visit Goldco
  • Gold & Silver IRA

  • $25,000

    $3,500 non IRA

  • $50 + $30

    $100 Admin Annually

  • $150 Segregated

    $100 Non Segregated

  • A+

  • AAA

  • Get 10% back in FREE silver

Augusta Precious metals
Augusta Precious Metals

"Best Company Reviews"

Visit Agusta
  • Gold, Silver, Platinum & Palladium

  • $50,000

    $50,000 non IRA

  • $50

    $200 Admin Annually

  • $125


  • A+

  • AAA

  • None

American Hartford Gold
American Hartford Gold

Best Gold IRA Price

Visit AHG
  • Gold & Silver IRA

  • $10,000

    $2,500 non IRA

  • $50

    $180 Admin Annually

  • Variable

  • A+

  • AA

  • Free silver worth up to $5,000 on qualifying purchases

birch gold group
Birch Gold Group

Best Customer Reviews

Visit Birch Gold
  • Gold, Silver, Platinum & Palladium

  • $10,000

    $5,000 non IRA

  • 80$

    80$ Annually

  • $100


  • A+

  • AAA

  • None

Alternatives to Lear Capital

If Lear Capital is too “expensive” for you, consider the two cheaper alternatives below:

>>CLICK HERE to read our list of the top gold investing companies.<<

Alternative “Augusta Precious Metals”

Since its founding in 2012, Augusta Precious Metals has been an expert in precious metals IRAs. Augusta has had 0 complaints, making it one of the finest companies offering Gold IRA in the United States. They handle the gold and silver acquisition process.

You may buy IRA-approved gold coins mentioned below:

  • American Eagle (gold)
  • American Eagle Proofs (gold)
  • Canadian Maple Leaf (gold)
  • Gold Canadian Eagle
  • American Buffalo (gold)
  • Australian Striped Marlin (gold)

Alternative “GoldCo”

Goldco is one of the most reputable metal investment firms in the United States. With many years of combined experience in buying gold and silver. Goldco is devoted to giving its clients accurate and sufficient information on how to invest.

Goldco's objective is to provide clients with a secure and straightforward option to purchase gold IRAs. We highly recommend this company for its trustworthy and professional service.

How to invest in Lear Capital Gold IRA? (Precious Metals IRA)

Choosing Lear Capital is rewarding. The Delaware Depository is the industry's top IRS-approved storage facility for precious metals, and it houses its storage in a depository vault. 

Lear Capital accepts the following methods for funding these accounts if you are IRA eligible:

  • 60-Day Rollover: Your existing retirement fund sends you a check in the mail. You must then mail the check to your new IRA account.
  • Trustee-to-Trustee Process: The trustee-to-trustee transfer entails transferring all of your retirement savings from your existing fund to your new precious-metals IRA.

Do We Recommend Lear Capital?

Yes, investing in precious metals is rewarding. Lear Capital will assist you in diversifying your investment portfolios with precious metal bullion (coins and bars by weight), numismatic coins, and precious metal IRAs.

Lear Capital also gives real-time guidance and access to daily and weekly updates to help you make informed decisions.

Our Verdict : 3/5

goldco precious metals IRA

$25,000 Minimum Investment

Get up to 10% Back in FREE Silver


Lear Capital's FAQs

What is the minimum investment for Lear Capital Gold IRA Precious Metals Gold IRA?

It is $7,500.

What type of metals should I have with my Lear Capital Gold IRA?

Lear Capital offers silver coins, and other precious metal coins.

When would I be qualified for the Lear Capital Gold IRA distributions?

Lear Capital’s IRA eligible information may be found on the Lear Capital’s website. So, to qualify for Lear Capital gold IRA distribution Gold bullion must be 99.5% pure, platinum bullion must be 99.95% pure, and silver bullion must be 99.9% pure. Of course, you will also get quarterly statements directly sent to your home address.

Is there a buyback program for Lear Capital Gold IRA?

When it comes to buybacks coins, Lear Capital makes no guarantees. If the company does decide to make an offer, it will most likely offer the market price at the moment.

What storage options do I have with the Lear Capital Gold IRA?

For self -directed IRA the physical metals are kept safe in a private storage facility. Customers’ metals are safe, in fact, one benefit of investing in precious metals is storage.

Why would I need a custodian to handle precious metals in my Lear Capital Gold IRA?

Lear Capital’s IRA custodian is in charge of precious metal IRA. IRA custodians handle IRA funds, IRA investments, transfer funds, shipping and transaction agreement. Your custodian will quote all fees and taxes before final purchase.

Who is the custodian of Lear Capital Gold IRA Precious Metals Gold IRA?

An IRA custodian of Lear Capital is one who is in charge of the storage of any physical assets.

How long will it take to rollover my IRA to the Lear Capital Gold IRAs Precious metals Gold IRA?

How long will it take to rollover my IRA to the Lear Capital Gold IRAs Precious metals Gold IRA?