US Money Reserve Review 2024: Safe Investment or Scam?

March 4, 2024

Welcome to my US Money Reserve Review

First, I'd like to congratulate you on looking up a company before handing over your hard-earned money!

Most people wouldn't, so they get scammed and lose money.

Although there are several good companies you can choose from, there are also a lot of scammers whose agenda is to only trick you into investing with them and eventually running with your money.

After reading my US Money Reserve Review, you should understand this company's crucial and essential details.

So, without further ado, we should get started.

US Money Reserve Review Quick Summary

Company name: US Money Reserve


CEO: Angela Roberts

Price: Varies depending on your investments

Rating: 3/5

U.S. Money Reserve Review

What is US Money Reserve?

US Money Reserve, also known as United States Rare Coin & Bullion Reserve, is a private distributor dealing with gold and other precious metals. The company was founded in 2001 by gold market experts.

The company claims to be the largest dealer and distributor of precious metals, like gold, silver, and platinum, in the whole country.

The US Money Reserve does not deal in other countries and only sells to US residents.

US Money Reserve has earned a reputation for its outstanding customer services and in-store features, making it a top competitor in the precious metals market.

The company claims to offer its clients a buyback guarantee, and they also refund coins within 30 days from the initial purchase.

US Money Reserve gives away an informational kit about gold-buying for free to anyone who is interested.

US Money Reserve is a member of the American Numismatic Association(ANA)the Professional Numismatists Guild (PNG), and the Better Business Bureau (BBB).

US Money Reserve Review: Products

US Money Reserve offers various precious metals, including gold, silver, platinum, and palladium. 

Please note that prices for precious metals can fluctuate daily, so check out the whole product catalog on their website.

  • Gold: US Money Reserve offers a wide variety of gold products. These include bars, American coins, Austrian Philharmonics, Canadian Maple Leaf, and rounds.
  • Silver: US Money Reserve also offers a wide variety of silver products. These include bars, American coins, Eagle Monster Box, and rounds.
  • Platinum and Palladium: US Money Reserve offers a limited selection of platinum and palladium products, including bars and coins
  • Jewelry and Collectibles: They have precious metals, jewelry, precious metals gift cards, collectible coins, and other precious metal items.

Their best coins include:


US Money Reserve Review: Gold IRAs

US Money Reserve offers gold, silver, and platinum IRAs.

They can help you start a new gold IRA account or transfer funds from your current IRA account.

If you have an existing IRA account and 401(k) or 403(k) plans, US Money Reserve allows you to transfer a part or entire investment into a gold or other precious metal IRA.

After you've set up your IRA and funded it, the company will send your purchased products to a secure IRS-approved depository.

US Money Reserve Review: Fees & Costs

Like all precious metal companies, the US Money Reserve has fees and costs, prices, transactions, and services. 

The fee varies depending on the product and the amount that you purchase.

US Money Reserve's gold IRA account annual fee is $250. 

They will, however, waive the $250 worth of setup and storage fees during your first year if you make qualifying purchases.

In addition to these fees, the US Money Reserve may charge other costs, such as a dealer markup or a premium for numismatic coins.

The US Money Reserve will disclose these fees to you before you purchase.

Also, note that the company's gold and silver coin prices can differ depending on the latest market rates.

US Money Reserve Review: Payment Methods

The US Money Reserve accepts various kinds of payment methods.

For online orders from the US and Canada, they accept VISA, MasterCard, AMEX, and Discover as payment.

Moreover, they also accept bank wires.

There are different guidelines or conditions for each payment.

For a more brief list, take a look below:

  • Credit cards: US Money Reserve accepts Visa, MasterCard, American Express, and Discover.
  • Debit cards: US Money Reserve accepts Visa and MasterCard debit cards.
  • Bank wires: The US Money Reserve accepts bank wires for orders over $1,000.
  • Cashier's checks: US Money Reserve accepts cashier's checks for orders up to $50,000.
  • Personal checks: US Money Reserve accepts personal checks for orders up to $5,000.
  • Money orders: US Money Reserve accepts orders up to $5,000.

Credit Card

There is no minimum order amount for credit card payments.

However, there is a maximum of $10,000 worth of orders that you can pay via credit card to prevent scams and fraud.

If your orders exceed $10,000, you must contact the company to secure payment.

Bank Wire

The company only accepts bank wire as a form of payment for orders with a minimum of $1,000. Furthermore, there are no dollar limits for this payment.

US Money Reserve will send you wiring instructions to proceed with your payment.

Also, the company must receive the bank wire within one business day of placing your order.

Personal Check

If you would like to pay through a personal check, you can contact US Money Reserve.

Usually, the company only accepts personal checks for purchases above $5000.

US Money Reserve Review: Shipping Services

U.S. Money Reserve usually ships its products via the US Postal Service or UPS.

The US Postal Service can ship to a P.O. Box.

However, UPS can only ship to physical addresses.

The shipping method may vary depending on your orders.

Moreover, all orders are fully insured and require a signature when delivered.

U.S. Money Reserve charges a flat shipping fee for all orders.

The fee is currently $15 for orders under $500, and the company will waive the fees for orders over $500.

US Money Reserve Review: Storage Services

The company lets you choose to store your precious metals at home

They will deliver your precious metals in a secure container, and you will be responsible for its storage

Don't worry; the US Money Reserve will provide guidelines on how to do that!

US Money Reserve does not have storage services; they only do it through third-party storage. 

You will have access to your precious metals 24/7 in the secure facility through an online portal, which you can access on the website.

The facilities are secured, and the US Money Reserve will ensure your metals have their total value in storage.

Educational Services

The company takes pride in educating its customers and clients.

With that, they have specific educational resources and materials on their website, which are free to access for everyone.

You can look at the free gold information kit and their video room, which contains helpful videos about precious metals, client testimonials, and US Money Reserve news.

Their videos are also informative and easy to understand.

They even cover topics such as identifying counterfeit coins and protecting your precious metals from theft.

US Money Reserve Customer Service

US Money Reserve is one of the USA's leading and biggest precious metal companies, primarily because of its impeccable customer service.

Customer satisfaction is a priority with them.

Firstly, the company offers a unique buyback guarantee, allowing customers to return any precious metal products within 30 days of purchasing.

Note that the products you buy from the US Money Reserve should be in sealed containers and that the refund is only the item price.

The customer service team is knowledgeable about precious metals.

They are always responsive and willing to answer your questions and help you with your needs because they are available 24/7.

Executive Team and Leadership

The CEO of the company is Angela Roberts, who is the first and only female CEO in the precious metals industry.

She was even featured in Forbes.

  • Angela Roberts - Chief Executive Officer & President
  • Scott Schmidt - Chief Financial Officer
  • Christol Farris - Vice President of Media
  • Jim Warren - Vice President of Marketing and Communications

The US Money Reserve executive team is comprised of knowledgeable, experienced, and proven experts in the field and industry of precious metals.

US Money Reserve Affiliate Program

Unfortunately, the US Money Reserve does not have an affiliate program.

 Therefore, there are no partnership opportunities and receiving commissions from sales generated.

However, they have a referral program that works similarly to an affiliation.

The referral program allows anyone to earn money by referring anyone to the US Money Reserve's website.

When they make a purchase, you will earn a commission on the sale.

You can share your links anywhere and even embed them in blogs and posts.

The said referral commission is about 5% of the purchase price.

Is US Money Reserve US Mint?

No. This is a common misconception between the two.

The US Money Reserve has no affiliations with the US Mint or the US government.

However, the company is one of the country's most prominent dealers and distributors of US precious metals and coins.

Be aware that the US Mint is NOT BBB accredited.

They have a similar website called American Mint, but this website appears to be a scam because I have read a lot of negative comments about it.

Does this mean the US Money Reserve is a scam?

Probably not, but it's a red flag! 

US Money Reserve Against Competitors

Before investing in precious metals, it is essential to research and understand the risks involved.

There are many reputable precious metals companies, but also some scams.

Below is how US Money Reserve fares against significant competitors like Augusta Precious Metals, Money Metals Exchange, and SD Bullion.

US Money Reserve Logo



Gold, platinum, silver,  palladium


Buying, selling, storage


Free shipping on orders over $25k Shipping is $15 for orders under $499.

Money Metals logo



Gold, Palladium, silver, platinum, and rhodium


Buying, selling, storage, loans


Free shipping for orders over $500. $7.97 shipping for orders under $500.




Gold, platinum, silver, rare coins, and palladium


Buying, selling, storage


Free shipping for orders over $2500. $45 shipping for orders under $2500.

SD Bullion



Gold, platinum, silver, copper, and palladium


Buying, selling, storage


Free shipping for orders over $199. $9.95 shipping for orders under $199.

US Money Reserve Review: FAQs

Does us money reserve accept cryptocurrencies?

Yes. US Money Reserve uses Bitpay in processing all cryptocurrency orders. Simply contact them to arrange for this.

what shipping carrier does us money reserve use?

It depends on the order, but it will be either the US Postal Service or UPS. The US Postal Service can ship to a P.O box, while UPS can only ship to a physical address.

Rest assured, all coin orders will be registered and insured. Upon receiving the order, the customer is required of their signature.

How fast can i receive my order?

Your order processing time begins the moment your payment is cleared by the company and when your order is prepared and shipped.

Usually, it takes 3 business days for your orders to be delivered to you.

US Money Reserve Reviews and Ratings (Updated March 2024)

US Money Reserve BBB rating

U.S. Money Reserve Review BBB new rating May 30

Currently, the US Money Reserve's BBB rating has declined to 3.82 out of 5-star ratings, based on 51 reviews.

Moreover, it received six complaints in the last 12 months.

This rating is underwhelming for a company that has been in the industry for quite some time. 

Nevertheless, the US Money Reserve has an A+ BBB rating and has been accredited since 2020.

US Money Reserve BCA rating

U.S. Money Reserve Review 2023 May BCA Rating

Another rating that the US Money Reserve has online is from BCA.

However, it only received seven reviews with an average rating of 4 out of 5.

Although 4/5 is good, the sample size of the reviewers could be bigger, making it less impressive if we compare it to the other precious metal companies.

US Money Reserve Complaints

US Money Reserve has had multiple complaints from dissatisfied customers.

But it is important to note that this does not make the company a scam.

The number of positive experiences still outnumbers the negative ones.

However, it is essential to know what sentiments previous customers had with US Money Reserve to know what tendencies can occur when investing with them.

US Money Reserve Review
US Money Reserve Review

As you can see, a customer has complained that her grandmother was a victim of high-pressure sales tactics, and worse is that the melt value of the gold that arrived isn't the exact value that was ordered.

US Money Reserve Employee Reviews

The US Money Reserve has a mixed rating on employee review websites.

Some employees have shared grateful and positive sentiments, praising the company's commission structure and excellent training.

However, some complained about the high-pressure and stressful sales environment and overload on work.

US Money Reserve
Employee Complaint
Complaint 2

US Money Reserve Pros and Cons


  • Accepts rollovers for existing 401(k)s accounts
  • Has online resources
  • Wide variety of products
  • Good ratings and reviews


  • Annual fees
  • Lacks ratings and reviews
  • Has some complaints in BBB and Reddit
  • Even the employees have negative reviews 

Is US Money Reserve a Scam?

In conclusion, I'll ensure that the US Money Reserve is not a scam. It is a legit precious metals company run by veterans in the industry. Moreover, it offers good products and services.

Although it has good ratings and reviews, it only got these from two websites, BBB and BCA.

Moreover, the company did receive an alarming number of complaints posted in BBB.

Additionally, the lawsuit I mentioned earlier is a big red flag.

So, it's a legit company that is unreliable!

We have reviewed over 200 companies; the one that stands out is Augusta Precious Metals.

They have a lot of positive reviews and high ratings; you should check them out!

Thank you so much for reading my US Money Reserve Review!

 If you have any comments or questions, feel free to leave them in the comments section.

Impressed by Our Insights? Explore Augusta Further and Make an Informed Choice Today!

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Anis is a digital marketing expert that enjoys writing blogs and helping people avoid scams online; he is passionate about investing in real estate and gold; in his free time, Anis loves playing football, going to the gym, and hanging out with friends.

By the way, if you are tired of scams and want to invest with a legit gold company, check out my 6 top legit gold IRA companies of 2024!


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