eBay Credit Card Rewards Calculator for Gold Bullion and Coins

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Maximize Credit Card Rewards on eBay Gold and Silver Bullion Purchases

When buying gold and silver bullion online, savvy investors often overlook the value of credit card rewards. Whether you earn cashback, points, or miles, using the right credit card can help reduce your overall cost per ounce and offset premiums when shopping on eBay and other marketplaces. This calculator is designed to help you find deals and determine the effective price you’re paying for gold and silver after factoring in your credit card rewards.

The tool below lets you input your credit card rewards percentage along with any bonus offers and compare those savings against the melt value and purchase price. This can potentially unlock reward opportunities that would otherwise be excluded by major dealers.

Use the dropdown to select your rewards rate—1%, 2%, or more—and discover which gold and silver bullion items deliver the best value after factoring in credit card earnings.

This tool is an essential resource for investors looking to improve their dollar-cost average while continuing to stack physical precious metals like American Gold Eagles, Swiss Francs, Mexican Pesos, and vintage gold coins.

Money Metals Exchange Silver Starter Kit

Money Metals Exchange
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Includes: (1) Silver Eagle, (1) Maple Leaf, (1) 1 oz Round (1) 1/2 oz Round, (5) 1/10th oz Rounds
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Rewards Percentage: Items highlighted below in green have a net price below melt after factoring in the rewards and cash back.

Gold

Seller	Item Title	Buy Price (Calculated Reward)	Calculated Reward	Melt Value	Net Price (Melt Value)
gratefulmoments	1915 AUSTRIAN ONE DUCAT PROOF LIKE GOLD	$589.00 ($5.89)	$5.89	$558.04	$583.11 ($558.04)
greenfall2108	1907 France Gold 20 Francs Rooster	$1000.00 ($10.00)	$10.00	$942.00	$990.00 ($942.00)
greenfall2108	1907 France Gold 20 Francs Rooster	$1000.00 ($10.00)	$10.00	$942.00	$990.00 ($942.00)
liberty.coin	1892 Austria Gold 8 Florin/20 Francs .1867 oz - Franz Joseph I - AU - Restrike	$1011.75 ($10.12)	$10.12	$942.00	$1001.63 ($942.00)
apmex	1852-1860 France Gold 20 Francs Napoleon III Avg Circ	$1042.63 ($10.43)	$10.43	$942.00	$1032.20 ($942.00)
apmex	1852-1860 France Gold 20 Francs Napoleon III Avg Circ	$1042.63 ($10.43)	$10.43	$942.00	$1032.20 ($942.00)
apmex	Belgium Gold 20 Francs Leopold II (1867-1882) Avg Circ	$1044.77 ($10.45)	$10.45	$942.00	$1034.32 ($942.00)
apmex	France Gold 20 Francs Lucky Angel Avg Circ	$1044.77 ($10.45)	$10.45	$942.00	$1034.32 ($942.00)
apmex	France Gold 20 Francs Lucky Angel Avg Circ	$1044.77 ($10.45)	$10.45	$942.00	$1034.32 ($942.00)
apmex	Belgium Gold 20 Francs Leopold II (1867-1882) Avg Circ	$1044.77 ($10.45)	$10.45	$942.00	$1034.32 ($942.00)
apmex	1861-1870 France Gold 20 Francs Napoleon III Laureate Avg Circ	$1046.51 ($10.47)	$10.47	$942.00	$1036.04 ($942.00)
apmex	1861-1870 France Gold 20 Francs Napoleon III Laureate Avg Circ	$1046.71 ($10.47)	$10.47	$942.00	$1036.24 ($942.00)
apmex	1861-1870 France Gold 20 Francs Napoleon III Laureate Avg Circ	$1046.91 ($10.47)	$10.47	$942.00	$1036.44 ($942.00)
apmex	Swiss Gold 20 Francs Helvetia AU (Random Year)	$1049.72 ($10.50)	$10.50	$942.00	$1039.22 ($942.00)
apmex	France Gold 20 Francs French Rooster Coin (1899-1914) AU	$1049.72 ($10.50)	$10.50	$942.00	$1039.22 ($942.00)
apmex	Swiss Gold 20 Francs Helvetia AU (Random Year)	$1049.72 ($10.50)	$10.50	$942.00	$1039.22 ($942.00)
apmex	France Gold 20 Francs French Rooster Coin (1899-1914) AU	$1050.12 ($10.50)	$10.50	$942.00	$1039.62 ($942.00)
nnna	Italy Umberto I gold 20 Lire 1882-R MS62 NGC, Rome mint, KM21, Fr-21.	$1058.88 ($10.59)	$10.59	$942.00	$1048.29 ($942.00)
apmex	1849-1851 France Gold 20 Francs Early Head Ceres XF	$1059.74 ($10.60)	$10.60	$942.00	$1049.14 ($942.00)

apmex	1849-1851 France Gold 20 Francs Early Head Ceres XF	$1059.74 ($10.60)	$10.60	$942.00	$1049.14 ($942.00)
treref-inc	1881-R ITALY 20 LIRE GOLD KM#21 - CHOICE UNCIRCULATED PROOFLIKE! .1867 OZ AGW	$1065.00 ($10.65)	$10.65	$942.00	$1054.35 ($942.00)
salgram67	1980 22K GOLD SOVEREIGN BRITISH BULLION FULL COIN QUEEN ELIZABETH II BU .2354 Oz	$1235.95 ($12.36)	$12.36	$1,187.72	$1223.59 ($1,187.72)
mikef13	1978 Great Britain Full Gold Sovereign .2355 Oz - AGW Elizabeth II - BU	$1250.00 ($12.50)	$12.50	$1,187.72	$1237.50 ($1,187.72)
liberty.coin	Colombia Gold 5 Pesos .2355 oz - Avg Circ Random Date	$1267.19 ($12.67)	$12.67	$1,188.22	$1254.52 ($1,188.22)
liberty.coin	Great Britain Gold Sovereign (.2354 oz) - King Edward - XF/AU - Random Date	$1274.43 ($12.74)	$12.74	$1,187.72	$1261.69 ($1,187.72)
liberty.coin	Great Britain Gold Sovereign (.2354 oz) - Victoria Matron - Avg Circ Random Date	$1275.46 ($12.75)	$12.75	$1,187.72	$1262.71 ($1,187.72)
liberty.coin	Great Britain Gold Sovereign (.2354 oz) - Victoria Jubilee Avg Circ Random Date	$1275.46 ($12.75)	$12.75	$1,187.72	$1262.71 ($1,187.72)
liberty.coin	Great Britain Gold Sovereign (.2354 oz) - Victoria Young - Avg Circ Random Date	$1276.82 ($12.77)	$12.77	$1,187.72	$1264.05 ($1,187.72)
discovergold	1981 Great Britain Gold Full Sovereign (.2354 oz) - Elizabeth II - BU	$1287.75 ($12.88)	$12.88	$1,187.72	$1274.87 ($1,187.72)
discovergold	1979 Great Britain Gold Full Sovereign (.2354 oz) - Elizabeth II - BU	$1287.75 ($12.88)	$12.88	$1,187.72	$1274.87 ($1,187.72)
discovergold	1927 Great Britain Gold Full Sovereign (.2354 oz) - King George - XF/AU	$1287.75 ($12.88)	$12.88	$1,187.72	$1274.87 ($1,187.72)
discovergold	1908 Great Britain Gold Full Sovereign (.2354 oz) - King Edward - XF/AU	$1287.75 ($12.88)	$12.88	$1,187.72	$1274.87 ($1,187.72)
market-r	2016-W Mark Twain Commemorative $5 Gold PR70DCAM PCGS	$1288.88 ($12.89)	$12.89	$1,220.36	$1275.99 ($1,220.36)
liberty.coin	US Gold $5 Commemorative Coins (.24187 oz) - Random Date	$1302.47 ($13.02)	$13.02	$1,220.36	$1289.45 ($1,220.36)
$store	1900 $5 Liberty Head Gold Half Eagle Very Nice Gem	$1348.50 ($13.48)	$13.48	$1,220.52	$1335.02 ($1,220.52)
setalley	2007-W Jamestown 400th Anniversary $5 Gold Proof Commemorative Coin - OGP & COA	$1349.99 ($13.50)	$13.50	$1,220.36	$1336.49 ($1,220.36)
suekat88	1986 W Statue of Liberty $5 Gold Proof Commemorative Coin PCGS PR69DCAM	$1350.00 ($13.50)	$13.50	$1,220.36	$1336.50 ($1,220.36)
apmex	Mexico Gold 10 Pesos AGW .2411 (Random Year)	$1361.89 ($13.62)	$13.62	$1,216.48	$1348.27 ($1,216.48)
suekat88	1987 W US Commemorative CONSTITUTION $5 Gold Proof Coin PCGS PR70DCAM	$1375.00 ($13.75)	$13.75	$1,220.36	$1361.25 ($1,220.36)

apmex	1917 Mexico Gold 10 Pesos AU	$1379.01 ($13.79)	$13.79	$1,216.48	$1365.22 ($1,216.48)
apmex	1906 Mexico Gold 10 Pesos XF	$1379.01 ($13.79)	$13.79	$1,216.48	$1365.22 ($1,216.48)
dfc_201	1909-D $5 Gold Indian Head Half Eagle US Coin NGC AU Details Cleaned	$1384.99 ($13.85)	$13.85	$1,220.52	$1371.14 ($1,220.52)
liberty.coin	US Gold $10 Indian Head Eagle - Jewelry Grade - Random Date	$2602.47 ($26.02)	$26.02	$2,441.03	$2576.45 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - Extra Fine - Random Date	$2602.47 ($26.02)	$26.02	$2,441.03	$2576.45 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - Jewelry Grade - Random Date	$2603.20 ($26.03)	$26.03	$2,441.03	$2577.17 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - AU Condition - Random Date	$2605.56 ($26.06)	$26.06	$2,441.03	$2579.50 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - BU - Random Date	$2615.90 ($26.16)	$26.16	$2,441.03	$2589.74 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - NGC MS61 - Random Date and Label	$2621.06 ($26.21)	$26.21	$2,441.03	$2594.85 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - PCGS MS61 - Random Date and Label	$2621.06 ($26.21)	$26.21	$2,441.03	$2594.85 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - PCGS MS62 - Random Date and Label	$2626.23 ($26.26)	$26.26	$2,441.03	$2599.97 ($2,441.03)
liberty.coin	US Gold $10 Liberty Head Eagle - NGC MS62 - Random Date and Label	$2626.23 ($26.26)	$26.26	$2,441.03	$2599.97 ($2,441.03)
liberty.coin	US Gold $10 Indian Head Eagle - XF Condition - Random Date	$2641.72 ($26.42)	$26.42	$2,441.03	$2615.30 ($2,441.03)
liberty.coin	US Gold $10 Indian Head Eagle - AU Condition - Random Date	$2641.72 ($26.42)	$26.42	$2,441.03	$2615.30 ($2,441.03)
liberty.coin	US Gold $10 Indian Head Eagle - AU Condition - Random Date	$2641.72 ($26.42)	$26.42	$2,441.03	$2615.30 ($2,441.03)

bold-precious-metals	$10 Liberty Gold Eagle Coin (MS62,NGC or PCGS)	$2704.79 ($27.05)	$27.05	$2,441.03	$2677.74 ($2,441.03)
bold-precious-metals	$10 Liberty Gold Eagle Coin (MS61, NGC or PCGS)	$2704.96 ($27.05)	$27.05	$2,441.03	$2677.91 ($2,441.03)
bold-precious-metals	$10 Liberty Gold Eagle Coin (XF)	$2712.60 ($27.13)	$27.13	$2,441.03	$2685.47 ($2,441.03)
bold-precious-metals	$10 Liberty Gold Eagle Coin (XF)	$2712.60 ($27.13)	$27.13	$2,441.03	$2685.47 ($2,441.03)
numismancan	1894 $10 US Liberty Head Gold Eagle Coin - Choice Uncirculated, NGC MS63	$2726.53 ($27.27)	$27.27	$2,441.03	$2699.26 ($2,441.03)

liberty.coin	US Gold $10 Liberty Head Eagle - PCGS MS64 - Random Date	$2729.53 ($27.30)	$27.30	$2,441.03	$2702.23 ($2,441.03)
coinwatchco	1910 S United States $10 Indian Eagle Gold Coin - Polished	$2730.19 ($27.30)	$27.30	$2,441.03	$2702.89 ($2,441.03)
apmex	$10 Liberty Gold Eagle Coin Cleaned US Gold	$2745.06 ($27.45)	$27.45	$2,441.03	$2717.61 ($2,441.03)
liberty.coin	Chile Gold 100 Pesos .5885 oz - XF/AU - Random Date	$3162.22 ($31.62)	$31.62	$2,969.30	$3130.60 ($2,969.30)
wmls41	1881-S $20 GOLD LIBERTY DOUBLE EAGLE Classic Coin Almost Uncirculated : 10508	$5100.00 ($51.00)	$51.00	$4,881.56	$5049.00 ($4,881.56)
wmls41	1906-S $20 GOLD LIBERTY DOUBLE EAGLE Classic Coin Brilliant Uncirculated : 10506	$5100.00 ($51.00)	$51.00	$4,881.56	$5049.00 ($4,881.56)
wmls41	1907-S $20 GOLD LIBERTY DOUBLE EAGLE Classic Coin Brilliant Uncirculated : 10507	$5100.00 ($51.00)	$51.00	$4,881.56	$5049.00 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - Jewelry Grade - Random Date	$5168.88 ($51.69)	$51.69	$4,881.56	$5117.19 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle - Jewelry Grade - Random Date	$5170.95 ($51.71)	$51.71	$4,881.56	$5119.24 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle - Almost Uncirculated - Random Date	$5184.38 ($51.84)	$51.84	$4,881.56	$5132.54 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - Brilliant Uncirculated - Random Date	$5184.38 ($51.84)	$51.84	$4,881.56	$5132.54 ($4,881.56)
pinehurstcoins	$20 Liberty Head Gold Double Eagle XF Random Year	$5190.35 ($51.90)	$51.90	$4,881.56	$5138.45 ($4,881.56)
apmex	1891-1904 Monaco Gold 100 Francs Albert I Avg Circ	$5194.40 ($51.94)	$51.94	$4,707.49	$5142.46 ($4,707.49)
pinehurstcoins	$20 Liberty Head Gold Double Eagle About Uncirculated Random Year	$5195.50 ($51.95)	$51.95	$4,881.56	$5143.55 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle - NGC MS62 - Random Date and Label	$5199.87 ($52.00)	$52.00	$4,881.56	$5147.87 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - PCGS MS61 - Random Date and Label	$5199.87 ($52.00)	$52.00	$4,881.56	$5147.87 ($4,881.56)
treasured_investments	? 1904-P $20 Gold Liberty Head Double Eagle Coin UNC PCGS MS63	$5199.99 ($52.00)	$52.00	$4,881.56	$5147.99 ($4,881.56)
treasured_investments	? 1904-P $20 Gold Liberty Head Double Eagle Coin UNC PCGS MS63	$5199.99 ($52.00)	$52.00	$4,881.56	$5147.99 ($4,881.56)
treasured_investments	? 1904-P $20 Gold Liberty Head Double Eagle Coin UNC PCGS MS63	$5199.99 ($52.00)	$52.00	$4,881.56	$5147.99 ($4,881.56)
mbarrcoins	(1) US Gold $20 American Liberty Head Double Eagle XF Random Date .9675 T Oz	$5203.54 ($52.04)	$52.04	$4,881.56	$5151.50 ($4,881.56)

liberty.coin	US Gold $20 Saint-Gaudens Double Eagle NGC MS62 1908 No Motto Random Label	$5205.04 ($52.05)	$52.05	$4,881.56	$5152.99 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle - PCGS MS63 - Random Date and Label	$5205.04 ($52.05)	$52.05	$4,881.56	$5152.99 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle - NGC MS63 - Random Date and Label	$5205.04 ($52.05)	$52.05	$4,881.56	$5152.99 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - PCGS MS62 - Random Date and Label	$5205.04 ($52.05)	$52.05	$4,881.56	$5152.99 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle - NGC MS64 - Random Date and Label	$5220.53 ($52.21)	$52.21	$4,881.56	$5168.32 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - NGC MS63 - Random Date and Label	$5220.97 ($52.21)	$52.21	$4,881.56	$5168.76 ($4,881.56)
mbarrcoins	(1) US Gold $20 American Liberty Head Double Eagle BU Unc Random Date .9675 T Oz	$5222.83 ($52.23)	$52.23	$4,881.56	$5170.60 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle NGC MS64 1908 No Motto Random Label	$5236.03 ($52.36)	$52.36	$4,881.56	$5183.67 ($4,881.56)
liberty.coin	US Gold $20 Saint-Gaudens Double Eagle PCGS MS64 1908 No Motto Random Label	$5236.03 ($52.36)	$52.36	$4,881.56	$5183.67 ($4,881.56)
rarecoincollector	1874 S GOLD US SAN FRANCISCO $20 LIBERTY HEAD DOUBLE EAGLE COIN NGC ABOUT UNC 55	$5300.00 ($53.00)	$53.00	$4,881.56	$5247.00 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - NGC MS64 - Random Date and Label	$5303.18 ($53.03)	$53.03	$4,881.56	$5250.15 ($4,881.56)
liberty.coin	US Gold $20 Liberty Head Double Eagle - PCGS MS64 - Random Date and Label	$5334.60 ($53.35)	$53.35	$4,881.56	$5281.25 ($4,881.56)
bold-precious-metals	$20 Liberty Gold Double Eagle Coin (MS63, NGC or PCGS)	$5382.46 ($53.82)	$53.82	$4,881.56	$5328.64 ($4,881.56)
bold-precious-metals	$20 Liberty Gold Double Eagle Coin (MS63, NGC or PCGS)	$5382.46 ($53.82)	$53.82	$4,881.56	$5328.64 ($4,881.56)
nbtx_collectibles	1878-S $20 Liberty Head Gold Double Eagle \| Pre-33 U.S. Gold Coin \| Circulated	$5395.00 ($53.95)	$53.95	$4,881.56	$5341.05 ($4,881.56)
nbtx_collectibles	1878-S $20 Liberty Head Gold Double Eagle \| Pre-33 U.S. Gold Coin \| Circulated	$5395.00 ($53.95)	$53.95	$4,881.56	$5341.05 ($4,881.56)
apmex	$20 Saint-Gaudens Gold Double Eagle (Cleaned)	$5409.36 ($54.09)	$54.09	$4,881.56	$5355.27 ($4,881.56)
apmex	$20 Liberty Gold Double Eagle (Cleaned) - Random Year	$5409.36 ($54.09)	$54.09	$4,881.56	$5355.27 ($4,881.56)
apmex	$20 Liberty Gold Double Eagle (Cleaned) - Random Year	$5410.40 ($54.10)	$54.10	$4,881.56	$5356.30 ($4,881.56)
apmex	$20 Saint-Gaudens Gold Double Eagle XF (Random Year) - eBay	$5436.10 ($54.36)	$54.36	$4,881.56	$5381.74 ($4,881.56)

apmex	$20 Liberty Gold Double Eagle XF (Random Year)	$5436.10 ($54.36)	$54.36	$4,881.56	$5381.74 ($4,881.56)
apmex	$20 Liberty Gold Double Eagle XF (Random Year)	$5437.13 ($54.37)	$54.37	$4,881.56	$5382.76 ($4,881.56)
apmex	$20 Saint-Gaudens Gold Double Eagle AU (Random Year)	$5446.79 ($54.47)	$54.47	$4,881.56	$5392.32 ($4,881.56)
apmex	SPECIAL PRICE! $20 Liberty Gold Double Eagle AU Random Year	$5446.79 ($54.47)	$54.47	$4,881.56	$5392.32 ($4,881.56)
apmex	SPECIAL PRICE! $20 Saint-Gaudens Gold Double Eagle BU (Random Year)	$5457.49 ($54.57)	$54.57	$4,881.56	$5402.92 ($4,881.56)
apmex	$20 Liberty Gold Double Eagle BU (Random Year)	$5457.49 ($54.57)	$54.57	$4,881.56	$5402.92 ($4,881.56)
mbarrcoins	1881-S $20 Liberty Head Gold Double Eagle *9292	$5495.95 ($54.96)	$54.96	$4,881.56	$5440.99 ($4,881.56)
mbarrcoins	1858-S $20 Liberty Head Gold Double Eagle Granite Lady Hoard XF45 NGC CAC *3357	$5495.95 ($54.96)	$54.96	$4,881.56	$5440.99 ($4,881.56)
mbarrcoins	1873 $20 Liberty Head Gold Double Eagle Open 3 MS61 PCGS *3550	$5495.95 ($54.96)	$54.96	$4,881.56	$5440.99 ($4,881.56)
liberty.coin	Mexico Gold 50 Pesos - AU/BU - Random Date - 1.2056 oz.	$6431.83 ($64.32)	$64.32	$6,083.41	$6367.51 ($6,083.41)
texaswholesaleprices	1947 Centenario 50 Pesos ? 14K Solid Gold Coin Pendant ? 37.5 Grams ? Not Plated	$6500.00 ($65.00)	$65.00	$6,083.41	$6435.00 ($6,083.41)

Frequently Asked Questions About Credit Card Rewards and Bullion Purchases

Can I earn credit card rewards when buying gold and silver bullion?
Yes, many credit cards offer cashback or reward points on purchases made through online marketplaces like eBay or directly from dealers who accept card payments. When buying from eBay sellers that categorize bullion coins or collectibles under numismatics, your purchase is more likely to be eligible for credit card rewards.

How do credit card rewards compare to traditional bullion dealer discounts?
While some dealers offer discounts for paying with checks or bank wires, credit card rewards offer flexibility and can stack with other promotions. A 2% cashback credit card can significantly reduce the effective premium you're paying on your bullion purchase, especially for lower-premium gold coins or silver bars.

What are the risks of using a credit card for bullion?
Always ensure you buy from reputable sellers with strong reviews and a high rating. A credit card also provides added purchase protection in case of disputes, delayed shipments, or non-delivery—an added benefit when buying from marketplaces like eBay.

Why is this important for gold and silver investors?
With premiums fluctuating and the gold/silver ratio remaining historically high, every opportunity to reduce costs matters. Savvy investors leverage every advantage—buying during market dips, choosing low-premium coins, or stacking up credit card rewards to lower their net price per ounce.

Which credit cards are best for bullion purchases?
Flat-rate cashback cards (like the Citi Double Cash or Fidelity Rewards) or rotating category cards that reward eBay or PayPal purchases are often good options. Some cards also offer elevated points for online spending or marketplaces.

Explore our blog for more information on maximizing credit card rewards while buying gold and silver bullion.

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