Gold Investing / Review
Lear Capital Review (2026): Fees, Metals & Verdict
A scored, plain-English review of Lear Capital: what it does well, where it falls short, and who it suits.
| Best for | Price-tracking tools |
| Account minimum | $10,000 |
| Fees | First-year fees sometimes waived |
| Metals | Gold, silver, platinum |
| Storage | Approved depository via qualified custodian |
Pros
- Real-time pricing and tracking tools
- Long history in the industry
- Occasional first-year fee waivers
- Three metals offered
Cons
- Read the fee schedule and past regulatory history closely
- Transparency has drawn scrutiny over the years
- Spreads worth comparing against rivals
Lear Capital is a veteran dealer, active since the late 1990s and based in Los Angeles, known for real-time pricing and metals-tracking tools. It offers gold, silver, and platinum for IRAs and direct purchase.
Fees and minimums
Lear reports a lower minimum, around $10,000, and has at times waived first-year fees. Read the fee schedule closely and compare the spread against other firms, because that is where the real cost sits.
Metals and storage
The firm handles gold, silver, and platinum through qualified custodians and approved depositories.
Service and history
Lear's pricing tools are a genuine feature. It is also fair to note that the company has faced regulatory scrutiny and financial difficulty in its past, so we encourage readers to review its history and current standing, and to confirm all terms in writing, before opening an account.
Watch for
Transparency and past regulatory issues are the reasons this firm scores lower on our card. It can still be a fit, but go in with the fee schedule and its track record fully in view.