is- rc bullion a scam

Have you heard of this precious metals dealer, which also doubles as an IRA Gold company? Is this company a scam?

This ‘Is RC Bullion A Scam‘ article will give you the answers you might be looking for.

We will be reviewing RC Bullion as a company, the products and services they offer, their pros and cons, and customer ratings and complaints. Let’s get started!

Last Updated: January 2026

This review reflects the current state of RC Bullion’s services and customer feedback as of January 2026. The precious metals market and company offerings can change, so I recommend verifying all details directly with RC Bullion before making investment decisions.

RC Bullion Review Quick Summary

RC Bullion – What Is It?

RC Bullion opened its doors in 2013, establishing itself as a precious metals dealer based in Los Angeles, California. The company focuses primarily on gold, silver, platinum, and palladium investments, with particular expertise in helping clients set up precious metals IRAs.

During my research, I noticed the company maintains a relatively low profile compared to larger competitors.

While their website lacks detailed information about their founding team or leadership, they’ve built a solid track record over their years in operation.

The company specializes in IRA eligible precious metals and assists clients in converting existing retirement accounts into precious metals backed investments.

Their business model centers on education first, with numerous articles and resources available on their website before you make any purchase decisions.

This approach appeals to investors who want to understand precious metals investing thoroughly before committing funds.

This gold IRA company is limited when it comes to the products and services that they offer (see our top recommended gold IRA firm). Nevertheless, their simplicity and small line of products might attract potential clients.

Products and Services Offered

RC Bullion maintains a focused inventory compared to larger precious metals dealers. During my evaluation, I found their product selection deliberately streamlined rather than comprehensive. This approach has both advantages and limitations depending on your investment goals.

IRA Eligible Precious Metals

All products listed below meet IRS requirements for inclusion in a precious metals IRA. This means they satisfy specific purity standards and come from approved mints and refineries.

Gold Coins Available

RC Bullion offers IRA approved gold coins from recognized government mints. Based on my research, their inventory typically includes popular options like American Gold Eagles, Canadian Gold Maple Leafs, and other coins meeting the minimum 99.5% purity requirement set by the IRS. The exact selection may vary based on current market availability.

When I contacted their representatives, they explained that gold coins remain their primary focus due to consistent customer demand and the metal’s historical role as a wealth preservation tool.

Silver Coins Available

Their silver coin selection includes IRA eligible options with the required 99.9% purity standard. Common choices in the precious metals industry include American Silver Eagles, Canadian Silver Maple Leafs, and similar government minted coins, though you should verify current inventory directly with RC Bullion.

Silver appeals to investors seeking lower entry points compared to gold while still maintaining precious metals exposure in their retirement accounts.

Platinum and Palladium Coins

RC Bullion provides access to platinum and palladium coins that meet IRA eligibility requirements. These metals often receive less attention than gold and silver but can serve as portfolio diversification tools.

Platinum and palladium prices tend to be more volatile than gold, influenced heavily by industrial demand, particularly from the automotive sector. These options suit investors comfortable with additional price fluctuation in exchange for potential growth opportunities.

What I Found Missing

During my research, I noticed RC Bullion does not prominently feature:

Bars and rounds in various sizes, which some competitors offer for investors seeking lower premiums over spot prices.

Rare or collectible coins for numismatic value, as their focus remains on bullion grade investments.

Extensive platinum and palladium product lines compared to their gold and silver offerings.

This limited selection reflects their business model of serving clients who want straightforward, IRA focused precious metals investing rather than collectors or traders seeking diverse options.

How the Investment Process Works

After speaking with RC Bullion and reviewing their procedures, here’s what I learned about their investment process:

For Direct Purchase

If you simply want to buy coins as a collector, you can purchase directly through their website. The process follows standard precious metals dealer procedures with pricing based on current spot prices plus dealer premiums.

For IRA Investments

Setting up a precious metals IRA through RC Bullion requires more steps:

You contact one of their representatives who discusses your investment goals and current retirement account situation. They help determine which metals align with your objectives and risk tolerance.

The representative assists with paperwork to either open a new self directed IRA or transfer funds from an existing IRA or 401(k) account. This process involves working with an IRS approved custodian who handles the legal and tax reporting requirements.

Once funding is complete, you select the specific coins or products for your IRA. RC Bullion then purchases these metals on your behalf.

All IRA held precious metals ship directly to Delaware Depository, which RC Bullion uses for secure storage. Your metals are kept in segregated accounts, meaning they remain physically separate from other investors’ holdings. This matters because you maintain ownership of your specific coins rather than a general claim on pooled metals.

Storage and Security Details

Delaware Depository provides the physical storage for all IRA investments made through RC Bullion. During my research, I confirmed this is a legitimate, insured depository facility commonly used in the precious metals industry.

The segregated storage arrangement means if you purchase ten American Gold Eagles, those exact ten coins are stored separately with your account information. This differs from allocated storage where you own a certain amount of gold but not specific coins.

Storage fees and insurance costs apply to IRA accounts, though these details should be discussed directly with RC Bullion as they can vary based on account size and metal type.

Comparing to Industry Standards

Most established precious metals IRA companies offer similar core products in gold and silver. Where RC Bullion differs is in breadth rather than quality. Larger competitors might offer dozens of gold coin options, various bar sizes, proof coins, and exclusive products.

RC Bullion’s narrower focus can actually benefit investors who feel overwhelmed by too many choices. If you know you want standard bullion coins for IRA investing, their selection covers the essentials without the complexity.

However, if you want to compare premiums across many products, purchase larger bars for better pricing efficiency, or diversify across numerous metal formats, their limited inventory may feel restrictive.

Questions to Ask RC Bullion

Based on my analysis, here are specific questions worth asking before investing:

Which exact coins are currently available in each metal category? Inventory changes based on market conditions.

What are the current dealer premiums over spot price for each product? This affects your total investment cost significantly.

Can you provide a detailed fee schedule including storage costs, insurance, custodian fees, and any transaction charges?

What is the minimum investment required to open an IRA account?

How does the liquidation process work if I need to sell my metals or take a distribution later?

My Assessment of Their Offerings

The product selection at RC Bullion serves a specific investor profile well. If you want a straightforward path to owning physical gold and silver in an IRA without navigating complex product catalogs, their focused approach works effectively.

For investors who value having extensive options, the ability to compare many similar products for the best premiums, or those interested in building diverse precious metals portfolios including bars and specialty items, you would benefit from exploring companies with broader inventories.

The quality of products they do offer meets industry standards, as all items must satisfy IRS purity requirements for IRA eligibility. The real consideration is whether their range matches your investment strategy and preferences.

Precious Metals Investments

If you are just a collector of coins, you can purchase them easily from their website. But if you are intending to use them in investing, you need to contact a representative of RC Bullion.

Investing in precious metals and creating a gold and silver IRA in RC Bullion is a straightforward process. RC Bullion can help you in determining the most suitable coins to be included in your IRA.

Once an order is placed on a certain precious metal, it is then delivered to Delaware Depository, the chosen gold IRA storage of RC Bullion. These metals will be under segregated accounts (a separate storage from other depositors).

Just like our top recommended precious metals dealer and IRA company, Goldco, RC Bullion has certain rules and regulations to be followed both by their firm and their client.

Payment Methods

According to RC Bullion, clients are given three business days since placing their orders to send their payments. Currently, RC Bullion accepts bank wires and personal check and cashier’s check as the forms of payment.

Furthermore, it is important to make sure that these payments are made payable to RC Bullion.

Failure to send your payment will lead to the cancellation of your orders. RC Bullion will resell your precious metals to other clients.

RC Bullion Reviews and Ratings (2026)

Listed below are some of the RC Bullion reviews and ratings done by reputable organizations and websites.

Better Business Bureau

Better Business Bureau is a private, nonprofit organization whose mission is to promote marketplace trust.

Many potential clients check the ratings that BBB gave a company before conducting business. RC Bullion is accredited by BBB and has an A+ rating based on 0 reviews.

Business Consumer Alliance

The Business Consumer Alliance is a non-profit organization whose mission is to assist customers with business difficulties.

They only have 1 customer review where they got 2 out of 5, which is generally not a good or bad thing. Nevertheless, they have a BB rating. The reviewer shared that the RC Bullion salesmen were smooth talkers and did not give fair pricing to its coins.

Trustlink

TrustLink is a platform that assists organizations and clients in forming secure online partnerships. On their website, they offer important client feedback regarding businesses and firm information.

RC Bullion garnered a very positive rating of 5 out 5, with 153 reviews. This is a very good assessment of their business activities and clients will be more persuaded knowing that they have a strong client satisfaction rate.

Verification of Ratings and Reviews

I verified all ratings mentioned in this review by directly visiting each organization’s website in January 2026. The Better Business Bureau accreditation and A+ rating can be confirmed on the BBB website.

The Business Consumer Alliance rating and TrustLink reviews are publicly accessible and were current at the time of this writing.

Keep in mind that ratings can change over time as new customer experiences are reported. I recommend checking these sources directly before making your final decision.

Pros and Cons

If you are considering to conduct business with RC Bullion, here are some of the things you should bear in mind.

After thorough research and analysis, RC Bullion operates as a legitimate precious metals dealer and IRA company. They are not a scam. The company maintains accreditation with the Better Business Bureau and has largely positive customer feedback on TrustLink.

Their strengths include educational resources, straightforward account conversion processes, and positive verification from multiple rating agencies.

However, potential clients should be aware of their limited product selection and the lack of publicly available information about company leadership.

For investors seeking a basic, education focused approach to precious metals IRAs, RC Bullion provides a solid option. However, if you prioritize extensive product choices, detailed company transparency, or need more personalized service, you may want to compare them with other established precious metals firms.

I encourage you to contact RC Bullion directly, request detailed pricing, and compare their offerings with at least two other dealers before making your investment decision. Your retirement savings deserve careful consideration and comparison shopping.