eBay Credit Card Rewards Calculator for Silver 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
9-Piece Silver Starter Kit

Includes: (1) Silver Eagle, (1) Maple Leaf, (1) 1 oz Round (1) 1/2 oz Round, (5) 1/10th oz Rounds
Limited Time Offer

Buy Now $183.92
FREE SHIPPING

Rewards Percentage: Items highlighted below in green have a net price below melt after factoring in the rewards and cash back.

Silver

Seller	Item Title	Buy Price (Calculated Reward)	Calculated Reward	Melt Value	Net Price (Melt Value)
bonanzacoins	1964 Canada 80% Silver Dollar Coin $1 P-L Charlottetown Centennial in RCM Wrap	$27.50 ($0.28)	$0.28	$25.85	$27.23 ($25.85)
crbcoins	1964 Canada 1 Dollar 80% Silver Coin - About Uncirculated (AU) KM#58 - 6805	$28.50 ($0.29)	$0.29	$25.85	$28.21 ($25.85)
crbcoins	1964 Canada 1 Dollar 80% Silver Coin - Uncirculated (MS) KM#58 - 6347	$28.50 ($0.29)	$0.29	$25.85	$28.21 ($25.85)
bonanzacoins	1963 Canada 80% Silver Dollar Coin $1 BU - Queen Elizabeth II	$28.74 ($0.29)	$0.29	$25.85	$28.45 ($25.85)
eliocarl	1938 Philadelphia Mint US 50C Walking Liberty Half Dollar 90% silver (#80-RB1)	$29.11 ($0.29)	$0.29	$25.85	$28.82 ($25.85)
eliocarl	1942-S Walking Liberty Half Dollar San Francisco Mint 90% Silver (#80-5911/WB1)	$29.11 ($0.29)	$0.29	$25.85	$28.82 ($25.85)
bonanzacoins	1965 Canada 80% Silver Dollar Coin $1 BU - Queen Elizabeth II	$29.40 ($0.29)	$0.29	$25.85	$29.11 ($25.85)
bonanzacoins	1966 Canada 80% Silver Dollar Coin $1 BU - Queen Elizabeth II	$30.60 ($0.31)	$0.31	$25.85	$30.29 ($25.85)
bonanzacoins	1960 Canada 80% Silver Dollar Coin $1 BU - Queen Elizabeth II	$32.34 ($0.32)	$0.32	$25.85	$32.02 ($25.85)
saraca_l4fb6tv9n	$1 Face Value of Random 90% Silver Circulated U.S. Coins	$33.00 ($0.33)	$0.33	$30.81	$32.67 ($30.81)
cdawson493	90% Junk Silver Coins $1 Face Value - Mixed Coins Average Circulated Condition	$34.00 ($0.34)	$0.34	$30.81	$33.66 ($30.81)
riskysbusiness	1922 Peace Silver Dollar (dent) 116b	$34.49 ($0.34)	$0.34	$33.33	$34.15 ($33.33)
mikeb0710	1922-D Peace Silver Dollar - 90% Silver *Free Shipping* -0715-1	$34.69 ($0.35)	$0.35	$33.33	$34.34 ($33.33)
dinman1again	1922 S Peace Dollar 90% Silver XF Toned FREE S/H	$34.77 ($0.35)	$0.35	$33.33	$34.42 ($33.33)
babanjo	1923 Peace Silver Dollar	$34.95 ($0.35)	$0.35	$33.33	$34.60 ($33.33)
dinman1again	1923 S Peace Dollar 90% Silver VF * Toned * FREE S/H	$34.98 ($0.35)	$0.35	$33.33	$34.63 ($33.33)
vieiracoins	1922 Peace Silver Dollar - #C37546NQ	$34.99 ($0.35)	$0.35	$33.33	$34.64 ($33.33)
vieiracoins	1922 Peace Silver Dollar - #C42903NQ	$34.99 ($0.35)	$0.35	$33.33	$34.64 ($33.33)
vieiracoins	1922 Peace Silver Dollar - #C32925NQ	$34.99 ($0.35)	$0.35	$33.33	$34.64 ($33.33)

vieiracoins	1922 Peace Silver Dollar - #C36986NQ	$34.99 ($0.35)	$0.35	$33.33	$34.64 ($33.33)
skylane182p	90% Junk Silver Coins $1 Face Value FREE SHIPPING -Mixed Date (4) Quarters	$35.04 ($0.35)	$0.35	$30.81	$34.69 ($30.81)
aydin_coins	90% Junk Silver Coins $1 Face Value - Mixed Coins Average Circulated Condition	$35.77 ($0.36)	$0.36	$30.81	$35.41 ($30.81)
bigbearcoin	$1 Face Value 90% Silver Coin Mixed Lot Dimes Quarters Half Dollars Pre-1965	$35.77 ($0.36)	$0.36	$30.81	$35.41 ($30.81)
universalgoldservices	90% Junk Silver Coins $1 Face Value ? Mixed Coins ? FAST FREE SHIPPING!	$38.97 ($0.39)	$0.39	$30.81	$38.58 ($30.81)
kmksnowboardgirl	8 Coins 90% Silver Washington Quarter & Roosevelt Dime & 1 Gram Valcambi Bar BU	$42.91 ($0.43)	$0.43	$30.81	$42.48 ($30.81)
twincitygoldmaine	Canada Newfoundland Dollar 1949 Ruler King George VI 80% Silver Coin KM# 47	$42.99 ($0.43)	$0.43	$25.85	$42.56 ($25.85)
greatamericancoinco	$1 Face (20 Coins) Circulated War Nickels 35% Silver (1942-1945)	$72.51 ($0.73)	$0.73	$48.49	$71.78 ($48.49)
aydin_coins	1965-1969 Kennedy Halves $10 40% Silver 20 Coin Roll Avg. Circ.	$132.93 ($1.33)	$1.33	$127.46	$131.60 ($127.46)
mbarrcoins	1965-1969 40% Kennedy Roll 20 Coin $10 Face Lot Collection	$135.99 ($1.36)	$1.36	$127.46	$134.63 ($127.46)
bigbearcoin	1965-1969 Roll of $10 Face Value (20 Coins) 40% Silver Kennedy Half Dollars Lot	$137.44 ($1.37)	$1.37	$127.46	$136.07 ($127.46)
okcorralcoins	Roll of (20) Uncirculated BU 40% Silver 1965-69 Kennedy Half Dollars $10 FV	$141.95 ($1.42)	$1.42	$127.46	$140.53 ($127.46)
liberty.coin	40% Silver Kennedy Half Dollars - Roll of 20 - $10 Face Value	$143.09 ($1.43)	$1.43	$127.46	$141.66 ($127.46)
mbarrcoins	Lot (20) BU Unc 1965-1969 Kennedy 40% Silver Roll $10 Face Collection	$155.05 ($1.55)	$1.55	$127.46	$153.50 ($127.46)
ibacorpboy	Roll of 50 - $5 Face Value Full Dates 90% Silver Roosevelt Dimes	$160.00 ($1.60)	$1.60	$154.05	$158.40 ($154.05)
embrybass	90% Silver Mercury Dimes - Roll of 50 - $5 Face Value	$160.00 ($1.60)	$1.60	$154.05	$158.40 ($154.05)
embrybass	90% Silver Mercury Dimes - Roll of 50 - $5 Face Value	$160.00 ($1.60)	$1.60	$154.05	$158.40 ($154.05)
vieiracoins	Roll of 50 Mercury Silver Dimes, $5 Face Value, G - F -#C423-50NQ	$162.99 ($1.63)	$1.63	$154.05	$161.36 ($154.05)
dereericso_0	90% Silver Mercury Dimes - Roll of 50 - $5 Face Value - Full Dates	$167.50 ($1.68)	$1.68	$154.05	$165.82 ($154.05)
chairmannetero	Roll of 50 $5 Face Value Full Dates 90% Silver Mercury Dimes US Coins A811	$169.99 ($1.70)	$1.70	$154.05	$168.29 ($154.05)

sharon1a	90% SILVER ~ 50 MERCURY DIMES = 1 ROLL OF 50 COINS / 3.57 ounces = $5 FACE!	$172.00 ($1.72)	$1.72	$154.05	$170.28 ($154.05)
liberty.coin	90% Silver Mercury Dimes - Roll of 50 - $5 Face Value	$173.38 ($1.73)	$1.73	$154.05	$171.65 ($154.05)
stevewalker-59	One roll of 50 Mercury Dimes $5 Face Value 90% "JUNK" SILVER Better Grades	$174.00 ($1.74)	$1.74	$154.05	$172.26 ($154.05)
pacoinsandmore	1960 BU ROOSEVELT DIMES 90% SILVER $5 Face Value Inc Mint Tube This Exact Lot	$182.10 ($1.82)	$1.82	$154.05	$180.28 ($154.05)
aydin_coins	Mercury Dimes 90% Silver 50 Coin Roll $5 Face Value Average Circulated In Stock	$185.00 ($1.85)	$1.85	$154.05	$183.15 ($154.05)
twincitygoldmaine	ROLL (20 COINS) 1967 KENNEDY HALF DOLLAR HALVES 40% SILVER $10 FACE COINS UNC	$189.99 ($1.90)	$1.90	$127.46	$188.09 ($127.46)
twincitygoldmaine	ROLL (20 COINS) 1968D KENNEDY HALF DOLLAR HALVES 40% SILVER $10 FACE COINS UNC	$189.99 ($1.90)	$1.90	$127.46	$188.09 ($127.46)
byfrome79	1960-D 10c 90% Silver Roosevelt Dime BU Roll $5 Face Value in Bank Wrap	$195.00 ($1.95)	$1.95	$154.05	$193.05 ($154.05)
twincitygoldmaine	1976 S 40% BICENTENNIAL KENNEDY HALF Dollar Roll Coins UNCIRCULATED $10 FACE	$199.99 ($2.00)	$2.00	$127.46	$197.99 ($127.46)
au3000	2011 VICKSBURG Mississippi 5 Oz. SILVER ATB BULLION AMERICA BEAUTIFUL UNTOUCHED	$271.00 ($2.71)	$2.71	$215.45	$268.29 ($215.45)
twincitygoldmaine	2011 America The Beautiful Vicksburg National Military Park 5 Oz Silver Coin ATB	$274.99 ($2.75)	$2.75	$215.45	$272.24 ($215.45)
snowcityorange	2011 ANAC MS69 Vicksburg NP 5 oz ATB Silver Coin First Strike	$279.97 ($2.80)	$2.80	$215.45	$277.17 ($215.45)
tamparg1	2011 VICKSBURG ATB 5 oz. Silver Coin PCGS MS69PL First Strike-Free Ship	$315.00 ($3.15)	$3.15	$215.45	$311.85 ($215.45)
silverbug..gem..cameo	Roll of 40 Standing Liberty 90% Silver Quarters, 40 Coins, $10 Face, With Dates	$317.96 ($3.18)	$3.18	$308.09	$314.78 ($308.09)

mbarrcoins	1950's-1964 Washington Quarter 90% Silver $10 Face ROLL	$318.21 ($3.18)	$3.18	$308.09	$315.03 ($308.09)
mbarrcoins	Roosevelt Dimes $10 Face Value 90% Silver 2 Rolls 100 Coin Bulk Lot Collection	$318.82 ($3.19)	$3.19	$308.09	$315.63 ($308.09)
twincitygoldmaine	United States 2002-S Roll of 20 $10 Face Value 90% Silver Proof Half Dollar Tube	$319.99 ($3.20)	$3.20	$308.09	$316.79 ($308.09)
classiccurrency7	Roll of 40 - $10 Face Value 90% Silver Washington Quarters - SKU1	$320.00 ($3.20)	$3.20	$308.09	$316.80 ($308.09)
mbarrcoins	1948-1963 90% Silver Franklin Half Dollar Roll $10 Face Lot	$320.05 ($3.20)	$3.20	$308.09	$316.85 ($308.09)
mbarrcoins	Circulated 1964 Kennedy Roll 20 Coin $10 Face Lot Collection	$320.05 ($3.20)	$3.20	$308.09	$316.85 ($308.09)

mbarrcoins	1934-1947 90% Silver Walking Liberty Half Dollar Roll $10 Face Lot	$320.36 ($3.20)	$3.20	$308.09	$317.16 ($308.09)
aydin_coins	Franklin Half Dollar 90% Silver $10 Face Value Roll Of 20 Coins Full Dates	$321.86 ($3.22)	$3.22	$308.09	$318.64 ($308.09)
aydin_coins	Walking Liberty Half Dollar 90% Silver $10 Face Value Roll of 20 Coins Full Date	$321.86 ($3.22)	$3.22	$308.09	$318.64 ($308.09)
aydin_coins	Roosevelt 90% Silver Dimes 100 Coins $10 Face Value Average Circulated Full Date	$321.86 ($3.22)	$3.22	$308.09	$318.64 ($308.09)
aydin_coins	$10 Face Value 90% Silver Coins - Random Year and Denomination - Full Dates	$321.86 ($3.22)	$3.22	$308.09	$318.64 ($308.09)
mcm	Roll of 40 - 90% Standing Liberty Quarters $10 Face Value No Dates	$324.35 ($3.24)	$3.24	$308.09	$321.11 ($308.09)
pinehurstcoins	Roll of 40 - $10 Face Value No Dates 90% Standing Liberty Quarters	$324.35 ($3.24)	$3.24	$308.09	$321.11 ($308.09)
coinexchange267	FULL DATES Roll Of 20 $10 Face Value 90% Silver 1964 Kennedy Half Dollars	$324.97 ($3.25)	$3.25	$308.09	$321.72 ($308.09)
swmiller7010	Roll of 20 Franklin Silver Half Dollars 90% Silver Coins $10 Face Value! L2	$325.00 ($3.25)	$3.25	$308.09	$321.75 ($308.09)
swmiller7010	Roll of 20 Franklin Silver Half Dollars 90% Silver Coins $10 Face Value!	$325.00 ($3.25)	$3.25	$308.09	$321.75 ($308.09)
dereericso_0	90% Silver Franklin Half Dollars - Roll of 20 - $10 Face Value	$330.00 ($3.30)	$3.30	$308.09	$326.70 ($308.09)
liberty.coin	90% Silver Franklin Half Dollars - Roll of 20 - $10 Face Value	$332.71 ($3.33)	$3.33	$308.09	$329.38 ($308.09)
sharon1a	90% SILVER FULL DATE FRANKLIN HALF DOLLARS ROLL OF 20 = $10 FACE!	$334.00 ($3.34)	$3.34	$308.09	$330.66 ($308.09)
mbarrcoins	(20) AU/BU 1964 $10 Face 90% Silver Kennedy Half Dollar Junk Bullion Roll Lot	$346.54 ($3.47)	$3.47	$308.09	$343.07 ($308.09)
au3000	2011 VICKSBURG NP ATB 5 OZ. SILVER PCGS MS69 DMPL First Strike FS	$350.00 ($3.50)	$3.50	$215.45	$346.50 ($215.45)
mcm	Roll of 40 - 90% Standing Liberty Quarters $10 Face Value Full Dates	$405.72 ($4.06)	$4.06	$308.09	$401.66 ($308.09)
pinehurstcoins	Roll of 40 - $10 Face Value Full Dates 90% Standing Liberty Quarters	$405.72 ($4.06)	$4.06	$308.09	$401.66 ($308.09)
byfrome79	1958 50c 90% Silver Franklin Half Dollar BU Roll $10 Face Value Nice Coins	$425.00 ($4.25)	$4.25	$308.09	$420.75 ($308.09)
mbarrcoins	$100 Face 1965-1969 JFK Kennedy Half Dollar 10x Rolls 40% Silver Bulk Lot	$1340.84 ($13.41)	$13.41	$1,274.56	$1327.43 ($1,274.56)
bullionllc	90% Silver Washington Quarters - $50 Face Value Bag	$1605.12 ($16.05)	$16.05	$1,540.47	$1589.07 ($1,540.47)

bullionllc	90% Silver Walking Liberty Halves - $50 Face Value Bag	$1610.12 ($16.10)	$16.10	$1,540.47	$1594.02 ($1,540.47)
bullionllc	90% Silver Franklin Halves - $50 Face Value Bag Avg Circ	$1610.12 ($16.10)	$16.10	$1,540.47	$1594.02 ($1,540.47)
bullionllc	90% Silver US Coins - $50 Face Value Bag	$1611.97 ($16.12)	$16.12	$1,540.47	$1595.85 ($1,540.47)
bullionllc	90% Silver Mercury Dime - $50 Face Value Bag Avg Circ	$1620.12 ($16.20)	$16.20	$1,540.47	$1603.92 ($1,540.47)
bullionllc	90% Silver Roosevelt Dimes - $50 Face Value Bag Avg Circ	$1641.12 ($16.41)	$16.41	$1,540.47	$1624.71 ($1,540.47)
apmex	90% Silver Franklin Half-Dollars $50 Face Value Bag Avg Circ	$1694.59 ($16.95)	$16.95	$1,540.47	$1677.64 ($1,540.47)
apmex	90% Silver Roosevelt Dimes $50 Face Value Bag	$1713.70 ($17.14)	$17.14	$1,540.47	$1696.56 ($1,540.47)
coinexchange267	$100 Face Value Bag 90% Silver Walking Liberty Half Dollars Full Dates	$3186.62 ($31.87)	$31.87	$3,080.94	$3154.75 ($3,080.94)
coinexchange267	$100 Face Value Bag 90% Silver Kennedy Half Dollars Full Dates	$3186.62 ($31.87)	$31.87	$3,080.94	$3154.75 ($3,080.94)
coinexchange267	$100 Face Value Bag 90% Silver Franklin Half Dollars Full Dates	$3186.62 ($31.87)	$31.87	$3,080.94	$3154.75 ($3,080.94)
coinexchange267	$100 Face Value Bag 90% Silver Walking Liberty Half Dollars Full Dates	$3186.62 ($31.87)	$31.87	$3,080.94	$3154.75 ($3,080.94)
coinexchange267	$100 Face Value Bag 90% Silver Kennedy Half Dollars Full Dates	$3186.62 ($31.87)	$31.87	$3,080.94	$3154.75 ($3,080.94)
coinexchange267	$100 Face Value Bag 90% Silver Franklin Half Dollars Full Dates	$3186.62 ($31.87)	$31.87	$3,080.94	$3154.75 ($3,080.94)
bullionllc	90% Silver Washington Quarters - $100 Face Value Bag	$3205.24 ($32.05)	$32.05	$3,080.94	$3173.19 ($3,080.94)
bullionllc	90% Silver Washington Quarters - $100 Face Value Bag	$3205.24 ($32.05)	$32.05	$3,080.94	$3173.19 ($3,080.94)
bullionllc	90% Silver Walking Liberty Halves - $100 Face Value Bag	$3215.24 ($32.15)	$32.15	$3,080.94	$3183.09 ($3,080.94)
bullionllc	90% Silver Franklin Halves - $100 Face Value Bag Avg Circ	$3215.24 ($32.15)	$32.15	$3,080.94	$3183.09 ($3,080.94)
bullionllc	90% Silver Roosevelt Dimes - $100 Face Value Bag Avg Circ	$3220.24 ($32.20)	$32.20	$3,080.94	$3188.04 ($3,080.94)
mcm	Bag of 400 - 90% Standing Liberty Quarters $100 Face Value No Dates	$3222.92 ($32.23)	$32.23	$3,080.94	$3190.69 ($3,080.94)
pinehurstcoins	Bag of 400 - $100 Face Value No Dates 90% Standing Liberty Quarters	$3222.92 ($32.23)	$32.23	$3,080.94	$3190.69 ($3,080.94)

bullionllc	90% Silver Mercury Dime - $100 Face Value Bag Avg Circ	$3230.24 ($32.30)	$32.30	$3,080.94	$3197.94 ($3,080.94)
coinexchange267	Bag Of 1000 $100 Face Value 90% Silver Mercury Dimes Circulated Coins Full Dates	$3233.03 ($32.33)	$32.33	$3,080.94	$3200.70 ($3,080.94)
bullionllc	90% Silver US Coins - $100 Face Value Bag	$3253.34 ($32.53)	$32.53	$3,080.94	$3220.81 ($3,080.94)
coinexchange267	Bag Of 1000 $500 Face Value 90% Silver Walking Liberty Half Dollars Full Dates	$15933.10 ($100.00)	$100.00	$15,404.68	$15833.10 ($15,404.68)
coinexchange267	Bag Of 1000 $500 Face Value 90% Silver Kennedy Half Dollars Full Dates	$15933.10 ($100.00)	$100.00	$15,404.68	$15833.10 ($15,404.68)
apmex	90% Silver Franklin Half-Dollars $500 Face Value Bag Avg Circ	$16292.44 ($100.00)	$100.00	$15,404.68	$16192.44 ($15,404.68)
apmex	90% Silver Walking Liberty Half-Dollars $500 Face Value Bag	$16292.44 ($100.00)	$100.00	$15,404.68	$16192.44 ($15,404.68)
apmex	90% Silver Kennedy Half-Dollars $500 Face Value Bag (1964)	$16292.44 ($100.00)	$100.00	$15,404.68	$16192.44 ($15,404.68)

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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