Universal Coin & Bullion Reviews

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Edited by: Matt Zane

About Universal Coin & Bullion

Universal Coin & Bullion is a U.S.-based dealer specializing in precious metals and rare coins. Founded in 1994, it offers coins and bars made of gold, silver, platinum and palladium. The company also assists investors by setting up and managing gold IRA accounts. Customers can create a free account to begin shopping or investing online. It does not charge fees to facilitate the setting up of a precious metals IRA, and, for a period of time, will cover fees independently charged by third-party depositories and precious metal custodians under certain circumstances. Universal Coin & Bullion is led by Dr. Mike Fuljenz, recognized as America’s Gold Expert. Dr. Fuljenz was asked to create the Consumer Alert on Gold for the Attorney General of Texas. He was named the (ANA) American Numismatic Association Coin Dealer of the Year in 2021, one of the “World’s Greatest Coin Graders” by COINage Magazine and was named a “Friend of the BBB” for his work in protecting consumers from unscrupulous coin dealers.

Pros
  • Offers a wide variety of products
  • 100% satisfaction guarantee
  • No minimum order requirement
  • Free shipping on orders over $199
Cons
  • Higher cost for using card or PayPal

Gold and other precious metal IRAs are an investment and carry risk. Consumers should be alert to claims that customers can make a lot of money in these or any investment with little risk. As with any investment, you can lose money and past performance is not a guarantee of future performance results. Consumers should also obtain a clear understanding of the fees associated with any investment before agreeing to invest.

What is Universal Coin & Bullion?

Universal Coin & Bullion provides rare coins minted by the U.S. Mint and also offers bullion coins from other trusted mints around the world, including The Royal Canadian Mint, The Royal Mint, The Perth Mint and The Austrian Mint. Its website features educational content, like price charts and articles. It also has programs, including the 20/20 program, which is an investment strategy designed to identify and recommend coins with strong growth potential and broad market appeal.

According to its website, the company has served over 500,000 satisfied customers and generated more than $2.4 billion in sales to date.

How does Universal Coin & Bullion work?

You can shop for precious metals or rare coins online through Universal Coin & Bullion’s website. You’ll need to create a free customer account before checking out. You can also call customer service during business hours for assistance with purchasing items.

The company accepts payments by credit card, PayPal, wire transfer, personal check and cashier’s check. There is an additional cost to pay with a credit card or PayPal.  All payments must be received within five business days of order placement. There are no minimum order requirements, but you can get free shipping on orders over $199.

Items are shipped between three and 15 business days after order placement, depending on the method of payment. For instance, online credit card orders typically ship within five to 15 business days, while credit card orders placed by phone are usually shipped more quickly — within two to three business days.

Universal Coin & Bullion products

Universal Coin & Bullion offers a comprehensive selection of precious metals and coins tailored for both investors and collectors. Some of its product offerings include:

You can also set up a gold IRA account with Universal Coin & Bullion. A gold IRA is a self-directed individual retirement account that allows you to invest in physical gold and other precious metals instead of traditional assets like stocks and bonds. Your investment is stored at an IRS-approved depository and is insured against physical loss, damage and theft.

» COMPARE: Best gold dealers

Universal Coin & Bullion pricing

Universal Coin & Bullion maintains pricing transparency by displaying up-to-date prices for its gold and silver products directly on its website. Prices may fluctuate often due to changes in the market value.

The company offers a 100% satisfaction guarantee, allowing you to return items within 30 days of the original purchase, provided they are in their original packaging, for a full refund. It also states on its website that it accepts trades of precious metals and coins.

Universal Coin & Bullion does not charge fees to facilitate the setting up of a precious metals IRA and, in fact, for a period of time, will, under certain circumstances, cover fees independently charged by third-party depositories and precious metal custodians.

Is Universal Coin & Bullion legit?

Yes, Universal Coin & Bullion is a reputable retailer of precious metals and rare coins. Founded in 1994, the company brings over 30 years of industry experience. It is associated with several industry organizations, including the Numismatic Guaranty Company and the Professional Numismatists Guild. Universal Coin & Bullion also backs its products with a 100% satisfaction guarantee.

Universal Coin & Bullion FAQ

What metals does Universal Coin & Bullion offer?

Universal Coin & Bullion offers gold, silver, platinum and palladium products.

Where does Universal Coin & Bullion store my precious metals?

Precious metals bought as part of Universal Coin & Bullion’s gold IRA program are stored in a high-security, IRS-approved depository.

Can I set up an IRA with Universal Coin & Bullion?

Yes, you can set up a gold IRA with Universal Coin & Bullion. Just visit the company’s website to create an account or give it a call at 800-248-2223.

Can I purchase gold online with Universal Coin & Bullion?

Yes, you can purchase gold via the Universal Coin & Bullion website. Current prices are updated frequently. You can pay for your purchase using a credit card, PayPal, wire transfer, personal check or cashier’s check.

Universal Coin & Bullion Reviews

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    How do I know I can trust these reviews about Universal Coin & Bullion?
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    Page 1 Reviews 0 - 5
    Verified purchase
    Customer ServiceSales & MarketingStaff

    Reviewed Dec. 8, 2025

    I opted for Universal Coin & Bullion over other options due to their close proximity and the reputation they've garnered. Not only do I reside half a mile from their store, I have known about them for quite a long time. This familiarity, coupled with their tempting specials that I often see in the Beaumont Examiner, encouraged me to make my first purchase with them. I randomly decided to give them a call about one of their offers and ended up speaking with Chris, who provided excellent service. Surprisingly, we knew some of the same people from decades ago, which made the transactions more personal and enjoyable.

    My experiences with Universal Coin & Bullion have been consistently positive. Each purchase I've made, especially gold and silver, has been top-notch, devoid of any flaws. The quality has never failed to impress me. Additionally, their advertisements play a significant role in keeping me engaged, with periodic deals nudging me towards exploring more options. I am even considering looking into their IRA offerings next year.

    Overall, I'm thoroughly satisfied with their service and products—they've earned my confidence and loyalty.

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      Sales & MarketingPriceStaffRates

      Reviewed Dec. 7, 2025

      I'm pleased with Universal Coin & Bullion. They've got about the best rates I've seen anywhere for purchasing coins. I used to deal with Mike, who was incredibly helpful, and after he left, the team continued to provide excellent service. But there were times I felt pressured to purchase items beyond my budget, even when I communicated my financial limitations. As a disabled veteran, I prefer to stick to purchasing silver due to its more affordable price.

      Another issue I faced was with the delivery process. I was told a gold coin I purchased would arrive via UPS, but it ended up in my mailbox. With the occasional misdelivery or forgotten mail, it's worrying to have a valuable item like that potentially sitting in the wrong mailbox. It would be more secure if such valuables were delivered directly to my door. Despite these issues, I continue to use Universal Coin & Bullion for my coin purchases because they their price is typically about $10 less per coin compared to government sites and similar outlets.

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      PriceStaffRates

      Reviewed Oct. 25, 2025

      Universal Coin & Bullion was the sole dealer present at the NRA convention held in Atlanta this past April. As the official NRA coin and bullion exchange, they had a selection I found quite appealing, including a 1-ounce NRA coin. The process of buying was quite seamless and their display was straightforward. Everything was cash and carry. Their team came across as friendly and professional, which further enhanced my purchase experience. When I bought, the prices were just over the spot price for gold, so there were no surprises there. My only slight regret stems from not having purchased more gold years ago when the price was significantly lower. It's intriguing how gold prices have evolved, reminding me of the discussions in the 1964 Bond movie 'Goldfinger.' The price changes over the decades and the role of economic events justifies my interest in collection and investments.

      Investing in gold, like the time I got Morgan's silver coins or post-Korea silver bars, has often proven beneficial. These investments, alongside my other asset endeavors, have shown substantial progress, even if the move to rare items was against popular advice. It was interesting hearing the mutual funds climb too. Overall, my experience with Universal Coin & Bullion was positive and worthwhile.

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      Universal Coin & Bullion
      Response from Universal Coin & Bullion

      Thank you so much for sharing your experience with Universal Coin & Bullion. We're delighted to hear that you found the process seamless and our selection appealing at the NRA convention. It's wonderful to know that our team's professionalism added to your positive experience during your notable purchase of the NRA 1-ounce coin. The pathway of investing in precious metals is as fascinating as it is rewarding, much like the scenarios you've likened them to. We're thrilled to have been part of such an intriguing and successful journey, and we're honored to earn your flattering comparison to formidable early investments. Should there ever be an opportunity for another such enlightening exchange, we're here and ready to support your pursuits further. Thank you for the trust you've placed in us!

      Verified purchase
      Sales & MarketingStaffSales Tactics

      Reviewed July 12, 2025

      I started buying metals many years ago as a hedge against inflation and to diversify my investment portfolio. What started very small and conservative has grown over time. These people are not just looking to make a sale, but also educate the buyer about the products they recommend and why they recommend each item. They will cater to your preferences of very modest investing, reliable, consistent growth items, and sometimes historical oddities.

      They will get to know you and understand your risk tolerance and make appropriate recommendations without the hard sell techniques. Because the products are in high demand, you do have to educate yourself as well and be prepared to seize some opportunities when they arise as inventories can fluctuate drastically with world events. They will also educate you how to best invest depending on your goals. They will guide you through 401k rollovers and private ownership as well as bullion and certified coin purchases. I have been very pleased working with them for many years.

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      Universal Coin & Bullion
      Response from Universal Coin & Bullion

      Thank you for sharing your experience! We're thrilled to learn that your relationship with our team has continued to flourish over the years, balancing both your investment needs and educational growth. Understanding our clients' preferences and aiding them in crafting well-informed investment decisions is our ongoing commitment. It's fantastic to know that you've found our suggestions beneficial while navigating through various opportunities, including 401k rollovers and investments in precious metals. Your trust and satisfaction mean everything to us, and we're honored to be part of your financial journey. As always, we're here to support your goals and ensure you receive the service you des

      Verified purchase
      PricePunctuality & SpeedRates

      Reviewed July 11, 2025

      I have done business with Rick ** for approximately 2-3 years and find him and Universal Coin to be a company that I enjoy doing business with. I consider myself to be a novice coin/bullion investor and have searched for many years to find a company that stressed integrity and customer commitment above anything else. Being a novice, I have found that many coin/bullion companies will take advantage of the individuals “lack of knowledge” and place higher instant profits ahead of attempting to forge a long-term relationship. In other words, taking the “quick buck” instead of trying to establish a “win/win” relationship.

      Rick has proven himself to be trustworthy and totally reliable and has met all of my expectations. He and the company seem to have built their business model over three important pillars any potential investor should seek out, that being quality (of the coin being considered), scarcity (of the coin being considered) and the selling price (of the coin being considered). They have consistently recommended coins that are either scarce or very limited in the original production runs. I believe that their recommendations are based on sound judgment and not just on “what inventory they need to move” that week. I am happy to recommend Rick and Universal Coin to any potential investor/client and will make myself available to speak directly if so requested!

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      Universal Coin & Bullion
      Response from Universal Coin & Bullion

      Thank you for your amazing review! We’re delighted to hear about your satisfaction with the trustworthy service provided by Rick and the Universal Coin team, as well as your appreciation for their integrity and commitment. Fostering long-term relationships with investors by prioritizing quality, scarcity, and competitive pricing is at the core of our business model. Your confidence in their recommendations and willingness to encourage others speaks volumes, and we are honored to count you among our valued clientele. Should you need further assistance, please don’t hesitate to reach out.

      Verified purchase
      Customer ServiceSales & MarketingPriceOnline & AppStaffRatesFollow-Through

      Reviewed Dec. 2, 2025

      I discovered Universal Coin and Bullion through Google and decided to choose them for my purchase due to the competitive pricing and specific products I was looking for. My transaction was straightforward as the entire process was completed online without the need for additional customer service interaction. The order arrived as advertised.

      Shopping on their website was smooth and user-friendly, adding to the ease of the overall experience. Pricing seemed fair to me, comparable to other options available. All in all, it was a seamless experience with Universal Coin and Bullion, and I've been satisfied with their service.

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      Verified purchase
      Customer ServiceSales & MarketingPriceRates

      Reviewed Dec. 2, 2025

      I remember seeing an advertisement, which is what initially got me interested. I avoid using computers for transactions these days, so I called Universal Coin & Bullion directly by phone to place my order. They offered several options I could purchase, which was nice. The product reached me in a timely manner, and it was genuine. Go for it. Price-wise, it felt fair, although I wasn't thrilled about paying state taxes for a purchase made online or over the phone.

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      Verified purchase
      Customer ServicePriceRates

      Reviewed Dec. 2, 2025

      I was going through an American Legion catalog and saw Universal Coin & Bullion. I reached out to them over the phone, which I found to be quite straightforward. My experience was generally positive. I bought a silver bar featuring Trump with the text "Fight, fight, fight.” If I got the money, I would consider doing business with Universal Coin & Bullion again. I would give them the highest mark for satisfaction.

      The customer service I received was also commendable, and I would rate it very high in both quality and experience. The price was satisfactory for what I purchased, and the quality of the product, particularly the Trump coin, met my expectations. I carry it in my pocket all the time and show it to my friends. Overall, it's been a good buying experience and I appreciate the service I got.

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      Verified purchase
      Customer ServicePriceRates

      Reviewed Nov. 13, 2025

      I was on the hunt for a 1-ounce silver bullet, and Universal Coin & Bullion happened to offer the best pricing compared to other options out there. Notably, I found their price about $5 cheaper than similar offerings, which made it a more reasonable choice despite being above market value. My buying process was smooth and straightforward, and I received my order within a week, which was impressive. Overall, I had a positive experience.

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      Verified purchase

      Reviewed Oct. 31, 2025

      I purchased a $1 Silver American Eagle coin from Universal Coin & Bullion and the process of getting the coin went smoothly, which was great. I learned about them through the National Rifle Association and if anyone is considering buying such coins, I would recommend Universal Coin & Bullion. Overall, my experience was positive.

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      Universal Coin & Bullion
      Response from Universal Coin & Bullion

      Thank you for taking the time to share your positive experience with Universal Coin & Bullion. We’re delighted to hear that the process of purchasing your Silver American Eagle coin went smoothly and that you’ve discovered us through the National Rifle Association. Your recommendation means a lot to us, and we’re thrilled to know that your overall experience was enjoyable. We look forward to the opportunity to serve you again in the future!

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      Universal Coin & Bullion Company Information

      Company Name:
      Universal Coin & Bullion
      State/Province:
      TX
      Country:
      United States
      Website:
      universalcoin.com