Yes, real “at spot” offers exist. A handful of reputable online dealers run loss-leader starter packs to acquire new customers. These promos typically require cash-equivalent payment (ACH/e-check, paper check, or wire), are limit-one per household, and change frequently. For the freshest list, check our live tracker: Buy Silver at Spot Price Deals »
How These Deals Work (and Why Dealers Offer Them)
Customer acquisition: The dealer forgoes their normal premium on a small, one-time bundle to earn a long-term customer.
Cash pricing only: To keep costs down, promos are cash-equivalent only. Credit cards/PayPal/crypto usually add ~3–4% processing fees and will void the “at spot” price.
Tight limits: Most are limit-one per household; some require a minimum order for free shipping.
Starter, not stock: Expect generic, .999 fine rounds or 90% silver for these offers; premiums on brand-name coins (ASEs, Maples) usually still apply outside of specific promos.
What You’ll Actually Pay (True-In Cost)
Even at spot, your delivered cost can change with payment, tax, and shipping thresholds. Here’s how to sanity-check it:
Cash vs. Card: Only ACH/check/wire earns cash price. Using a card typically adds 3–4%.
Sales Tax: Nexus rules vary by state; bullion may be exempt or threshold-exempt in some states and fully taxable in others. Check during checkout.
Shipping: Most dealers ship free once your cart hits $149–$199. If your starter pack is below that, consider adding a low-premium item to cross the threshold.
ASW vs. Face Value (90%): For junk silver, calculate by silver weight, not just face value. Use 7.15–7.23 ozt per $10 FV as your guide.
Example (illustrative):
Monument 5-round pack @ spot with silver at $30.00/ozt = $150.00 cash price.
Add a low-premium item to clear free shipping if needed; pay by ACH; no tax in your state → $150 delivered for 5 ozt ⇒ $30.00/ozt true-in.
Where to Find the Latest Offers
We maintain a rolling, verified list of “at spot” and below spot promos across major dealers. Bookmark it and check often—inventory flips quickly during volatile markets:
