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.

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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.

Still have questions?

Universal Coin & Bullion Reviews

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    Page 1 Reviews 0 - 35
    Verified purchase
    Customer ServicePriceStaffRates

    Reviewed July 3, 2026

    I reached out to Universal Coin & Bullion and did everything by phone. They're in Texas, and I’m in Indiana. Their representatives are very nice guys. If the price is right, I'm gonna do business with them again.

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    Customer ServiceSales & MarketingPriceRates

    Reviewed June 18, 2026

    The first connection I had with Universal Coin & Bullion was through an NRA publication, and I saw an advertisement that looked like I might be able to deal with them. I was interested in purchasing commodity silver. Not numismatic treasures, but plain, old, pure, precious metals. My interest was in the spot price and how much above the spot price their minted products would cost. I tried that with more than three other businesses. Most of them were not interested in talking to me about commodities. They just wanted to sell the collectibles, which I was not interested in. Universal was willing to market the commodity, generic coins, at whatever price over spot. That was why I did business with them. They tried to sell me the collectibles, but I was primarily interested in just the commodity. They sell you what they say they're gonna sell you. It's straightforward. I didn't feel deceived in any way.

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      Verified purchase

      Reviewed June 4, 2026

      I was looking for something to invest in. My purchase experience with Universal Coin & Bullion was very good. They’re a good company to go with. I've been pleased with everything.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed May 2, 2026

      I've heard of Universal Coin & Bullion years ago through my association with the NRA. My experience with Universal has been excellent. My order came promptly.

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      Verified purchase
      PriceStaffRatesValue

      Reviewed April 25, 2026

      I liked the products and the prices for the products of Universal Coin. The products were good. Good value and good quality. The reps were all easy to talk to and easy to figure stuff out if things were out of whack. My experience with them has been really good. They're a good place to buy some coins from, and I appreciate their business with me. I would use them again.

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      Verified purchase

      Reviewed June 3, 2026

      Universal Coin & Bullion didn't have everything I wanted, but what I purchased from them were all right. I got some Canadian $5 pieces in gold from them. My experience was good.

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      Verified purchase
      Sales & MarketingPriceStaffBillingRates

      Reviewed April 10, 2026

      Right now, gold and silver are at a premium, and I'm on hold on everything. But when I dealt with Universal Coin, I was pleased with them. I liked their price. I'm very knowledgeable and I've been doing this for a long time. And they were pretty good with just telling me what they had, because it's not that they were really trying to sell me anything. It's just that they had what I was interested in at a reasonable price. Sometimes, we used a credit card. Sometimes, I sent them a check, and they got it right out. There were a couple of specific salesmen who were pretty good as well. They're a good company to deal with, whether you're knowledgeable or not. I don't think they're in it to really take advantage of anybody. I would deal with them again when I'm ready.

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      Customer ServiceSales & Marketing

      Reviewed March 24, 2026

      I purchased 1 gold buffalo from Universal Coin a little more than a year ago. Now the sales department won't stop calling me! Several different people have called me and left me messages telling me to call them because they have a "Great Deal for me". I have NEVER been harassed so much by any company in my life. Like a bunch of used car salesman they won't leave me alone. I will NEVER make a gold purchase from this company again.! Stop calling me! ... I have said this directly to the salesman before.....but they don't listen.....

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      Verified purchase

      Reviewed March 11, 2026

      Universal Coin & Bullion has been a good outfit. Communicating with them was simple and easy. The purchases I've made so far have good quality. I've got coins and another product from them. Universal's product quality and the service stand out. Those are two important things.

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      Verified purchase
      Customer Service

      Reviewed March 7, 2026

      I heard about Universal Coin through the NRA magazine. I bought from them, and the products I received have been fine. Their communication was fine as well, and the process was straightforward.

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      Verified purchase
      Customer ServiceSales & MarketingStaff

      Reviewed Feb. 28, 2026

      I saw an advertisement for Universal Coin and I reached out to them by phone. The rep I worked with was very nice, informative and helpful.

      I’ve been very happy with Universal Coin and would work with them again in the future.

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      Verified purchase
      Customer ServiceSales & MarketingPriceRates

      Reviewed Feb. 27, 2026

      I found out about Universal Coin through NRA and I liked who they had working with them. The products are mostly good too. Last time, I felt a little slighted, but not bad. I paid a little higher price, $300 a coin, than I could find it otherwise. Because I've dealt with them before and I went with their knowledge and not mine. They have better knowledge of it than me. The delivery also took little longer than I expected, but it was fine. It didn't make any difference at that point. Mostly, I've been okay with Universal Coin. They've steered me in the right direction and the communication has been good. Occasionally, they overplay their sale and if I tell them no, they keep pushing. They're a little pushy sometimes.

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      Verified purchase
      PriceStaffRates

      Reviewed Feb. 26, 2026

      I was a commodity trader. I started doing business with Universal Coin back in 2009, and I've always been happy with them. I trust them and everything's always right neck accurate. The items are exactly what I've ordered. I've referred a lot of business to them that made bigger purchases than I have. The nice thing is, Josh, the rep, has always taken care of me when I've done that. ‘Cause I told him, “Scratch my back, I'll scratch yours,” as the old saying goes. And he's always taking care of me when I've sent people, because people and colleagues, I always tell them, “Do business with Universal Coin. They're professionals. They've been around a long time and they got great staff.” Sometimes I would get a different price when I would be talking to Josh but I'd say, “Can you refresh and see what you're showing versus what I'm showing?” And he would always nail it.

      The only thing I am interested in is protecting my worthless dollar. Even though I'm retired, I know what's going on. I was rich with the US Treasury. What's going on with the dollar isn't healthy, isn't good. So, I buy gold and silver from Universal Coin to turn around and sell one day when I've made enough money that I can purchase a house. It's for investment purposes.

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      Verified purchase
      Customer ServiceSales & MarketingPunctuality & SpeedStaff

      Reviewed Feb. 25, 2026

      Universal Coin & Bullion had something I wanted. I called them. It's a family guy I talked to, and he had what I wanted to order, and I ordered it. He gave me what I wanted and haven't really hassled me much since. He was knowledgeable, and he had my items shipped promptly. These are some collectible silver pieces, and the quality was what they advertised.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Feb. 24, 2026

      I was very satisfied with the whole experience with Universal Coin & Bullion. Everything went well. I ordered mostly silver and the stuff from the NRA. It was very nice stuff. I got what I ordered quickly and everything went smoothly. I make my purchases over the phone. Their representatives have all been very nice. If someone I know needs to buy gold and silver, Universal is one of those places I'd refer them to.

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      Verified purchase
      Customer Service

      Reviewed Feb. 22, 2026

      The products from Universal Coin are good. Communication with them has been good too and so is the delivery timeline. I'd recommend them.

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      Customer ServiceSales & MarketingOnline & AppStaff

      Reviewed Feb. 21, 2026

      A man had a newsletter that I subscribed to and he mentioned Forest in Universal Coin & Bullion as somebody he bought coins from. Because I didn't know who to use or trust, and because this man recommended it and he was former CIA, I called Universal. I specifically asked for Forest. I told him, over the years, that that's how I got his name. He wasn't aware that he was in this man's newsletter. He has big customers. I am no big person, but he treats me like I am. He's such a gentleman, he's so warm and friendly, and he answers questions.

      If I say, “I can't afford that. Now my money is really tight,” and say, “No. I’m not able to,” he will call sometimes and say, “I have a coin. Do you think you can afford it?” If I say, “No. I can’t. I can't do that coin,” he'll say, “I have this other one then, in case you could do this one instead.” Sometimes I can do the other one. And there were times when he would call and say, “We have this. We have that. And you have a set.” He knows. I have the two-and-a-half dollar, or two-and-a-half cent. I got 11 out of the 15. He knows what I want and what I still need. He tracks it, because I don't. Talk to him. He is an absolute gem. You can go on their website and buy stuff. Get whatever is left that you can.

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      Verified purchase
      Customer ServicePriceStaffRates

      Reviewed Feb. 20, 2026

      I like Universal Coin. It's a nice company. They always treated me really nicely and things have gone really well. Universal Coin seems to make me happy when I'm buying silver. They just send it to my house through the United States Postal Service and the deliveries are good. When I buy gold, I go to JM Bullion because they seem to have a better tracking thing. When you buy gold, you pay a lot more for the gold. And I don't want them to go, “Oops. We're sorry. We lost your $4,500 coin, and you're not gonna get it.” For some reason, Universal Coin doesn't ensure as much that I'm gonna get the coin. It's really nice, though. They package it in a non-advertising packet, so the Postal Service is not tempted to steal the coin or whoever's delivering it. I really like that a lot. Then, if you buy one or two, they wrap it up really well, and it comes in a plastic container, outside, a soft plastic thing. Not a Ziploc baggie.

      Sometimes when I call on the phone, they give me the same agent all the time, some guy in Texas. But he's a little pushy at the end. He's like, “I know you have other money and you can buy more coins.” I go, “No. I don't have any other money. I can't buy any more coins. I already know what I want before I even called you on the phone ‘cause I'm a guy.” Once or twice, I even had to hang up on him and say, “No. I'm not doing this.” The last time, I didn't wanna go through that, so I just ordered it through the internet, online, ‘cause I didn't wanna have an argument with the guy. He’s very cordial and nice, though. Even when I hung up on him, he would call back. I would say, “Are you ready to listen to me now?” He'd say, “Yeah.”

      The delivery is usually within a month. The last time I purchased, it took a month to get it, from the day I ordered it to the day I received it. When you get the coin, it's really nice and shiny. I like it a lot. And I'm looking forward to buying more. I even used it as a gift, those President Trump coins. And some people really liked them. Their price is a little high, though. I always check the rate of the silver, and they're always 10 bucks higher. But the other companies do the same thing. Their customer service has been pretty good. Because sometimes I haven't gotten the confirmation email right away, so I would call up and say, “I didn't get my confirmation email you said you were gonna send me.” They would go, “We're sorry.” Then they would send it to me immediately. Overall, it's been pretty good.

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      Verified purchase
      Customer ServiceRates

      Reviewed Feb. 19, 2026

      I ordered the product with NRA logo on it, and some were silver bullets. I just liked the product. It was interesting to me. I ordered over the phone, and it was easy to do. I had a good experience. I would recommend Universal Coin.

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      Verified purchase
      Punctuality & SpeedStaff

      Reviewed Feb. 18, 2026

      I dealt with Universal Coin & Bullion before through my American Hunter through the NRA and the service I had was really good. I thought about keeping on dealing with them. This is my third time with them and I had a good experience as well. The reps were nice, polite, and everything that I wanted came. They usually tell me when my order might arrive and they said we might have to wait a little because there's a big demand for silver now. It's worked out really well. The silver coins are beautiful. It's just that silver is high right now and I hope I made the right decision. Overall, Universal Coin provides professional service and it's always a quick, good experience with them. I wish I would have bought a lot more earlier.

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      Verified purchase
      Customer ServicePunctuality & SpeedStaff

      Reviewed Feb. 17, 2026

      When I called Universal Coins, they assigned a rep to me. They have good service. The normal delivery was fine, but the 2026 American Eagles are on backorder, meaning the Mint has not released them to them. So, I can't blame Universal for that. It's slow on delivery from the Mint to Universal.

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      Verified purchase
      PriceRates

      Reviewed Feb. 16, 2026

      I bought a few pieces of silver from Universal Coin & Bullion. It was about where the price was at the time. I got exactly what I expected. The purchase process was a little bit lengthy because of the fact that you have to make sure the check is good before they ship the product.

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      Verified purchase
      Customer ServicePriceRates

      Reviewed Feb. 15, 2026

      I bought a few silver coins, mostly through the NRA specials. Universal Coin was easy to deal with and everything was good with the customer service. The price was also good and I’d recommend Universal Coin.

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      Verified purchase
      Customer ServicePriceStaffRates

      Reviewed Feb. 14, 2026

      I saw a coin I liked in a magazine. I called Universal Coin & Bullion and the rep seemed very knowledgeable and friendly. The delivery was what I expected. It took 15 days but Universal Coin & Bullion was on top of it. Give them a try. You might like it. It was a fair price.

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      Verified purchase
      Staff

      Reviewed Feb. 14, 2026

      The rep at Universal Coin was very helpful and he said it would take ten days for the silver that I bought to be delivered, and that’s how long it took. It was a simple and easy experience, and I would recommend Universal Coin.

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      Verified purchase
      Customer ServiceSales & MarketingPricePunctuality & SpeedRatesFollow-Through

      Reviewed Feb. 13, 2026

      Universal Coin had a decent price advertised. Their items are good and as advertised. Also, they're pretty easy to get ahold of on the phone. The delivery is pretty quick. It's usually within a week or so, if not less. They're a great business to work with.

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      Verified purchase
      PriceRates

      Reviewed Feb. 2, 2026

      Universal Coin is a good company. My daughter had an emergency. We cashed in a bunch of their coins and had no problem. They're good coins. For the most part, if I don't like the price, I don't buy it. But for what we want, their prices are good. Ricky's our contact person and he's very likable, very pleasant, and very business-like.

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      Verified purchase

      Reviewed Jan. 24, 2026

      Universal Coin & Bullion was at the right place and at the right time. The delivery got a bit longer because the suppliers were taking it longer to get it to them. But other than that, it was perfectly fine.

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      Verified purchase
      Staff

      Reviewed Jan. 23, 2026

      Universal Coin & Bullion is doing business with the NRA magazine, so I decided to do business with them. Their products are fantastic and the delivery is fine. I would recommend them.

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      Verified purchase
      Customer ServiceStaff

      Reviewed Jan. 9, 2026

      I loved the products I received from Universal Coin & Bullion. I ordered some silver pieces for snowman. They were great. Communication with the company was really good. The gentleman gave me some ideas because one of the coins that I wanted wasn't there. He was able to assist me and find me a couple other ones. As far as delivery, my purchase came before it was supposed to. My shopping experience was outstanding. I look forward to future purchases with them.

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      Verified purchase

      Reviewed Jan. 8, 2026

      I've always had good experiences with Universal Coin. My most recent purchase was about a month ago. Overall, I have no problems with them.

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      Verified purchase
      PriceStaffRates

      Reviewed Dec. 25, 2025

      I bought silver coins online through Universal Coin & Bullion and they have great quality. The price is competitive, so it's great. Anthony or Antonio was great, helpful, and knowledgeable.

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      Verified purchase
      PriceStaff

      Reviewed Dec. 25, 2025

      I've gotten a few things from Universal Coin. Clint has been really helpful, personable, and fun to talk to. It’s just a good experience working with someone who has the same values and on the same page. So, I'd say the total experience with the organization has been very good. I probably would purchase from them again. There are things that might come up.

      I have to say too that sometimes, when I ordered, I've got other coins like a Trump medallion or NRA's. They're not precious metals but they're medallions to commemorate the Second Ammendment. It's cool to be able to get some kind of memorabilla for free of charge, just for ordering. I've looked at other sites, and many people on podcasts were pushing gold and silver too. I'm an NRA member, and every month I get a magazine, where I always see that they have these coins for the Army and Navy which they minted only 300,000. I got one of them.

      I wanted to get the navy because my dad fought in the Pacific. They're a little spendy, but they're worth it. But then there's only a certain amount of minted and they got this special emblem for what rank and service in the Army and Navy. Plus, it's the 250th year of our armed forces. I might invest in little more silver or some gold.

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      Verified purchase
      Punctuality & Speed

      Reviewed Dec. 25, 2025

      Purchasing from Universal Coin & Bullion was easy and all, but with my last order, I'm not really satisfied with the value of the overall purchase. I don't think it was as big a deal as they told me it might be. Value-wise, the quality was not what I expected to get. Coin-wise, they're pretty good coins. I'd recommend, but be careful what you're purchasing.

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      Sales & Marketing

      Reviewed Dec. 25, 2025

      Whatever they said in the ad, I got it. Everything they said they would do, they did. The coins came when they said it would. I bought stuff from several different coin companies and I haven't had any problems with any of them. They've all been good.

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      Verified purchase
      Customer ServiceSales & MarketingFollow-Through

      Reviewed Dec. 24, 2025

      I was satisfied with the telephone conversations I had with them. I got some gold and silver coins, and they were as advertised.

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      Verified purchase

      Reviewed Dec. 18, 2025

      I've purchased a lot from Universal Coin & Bullion. I first heard about them at an NRA convention, and my experience was all good. If a friend were looking to purchase some precious metals, I'd tell them to contact them.

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      Verified purchase
      Customer ServiceSales & MarketingPriceRatesTimeliness

      Reviewed Dec. 18, 2025

      I bought three 1-ounce silver pieces from Universal Coin & Bullion. When I called them on the phone to take advantage of their promotion, they said the price went up and then told me the latest price. I said I just got the magazine. 'I’m one of the first people to receive the magazine and you’re telling me that you cannot sell me three 1-ounce pieces of silver for the advertised price?'

      I honestly wasn’t going to buy from them, but the person I talked with on the phone went to talk to somebody else and he said they were putting a limit of size 1-ounce bars. He said, 'We can sell you three 1-ounce bars at the advertised price, but if you want to buy the other three, it’s at the other price.' Truthfully, I felt it was just bait and switch but since he offered me three ounces at that advertised price, I accepted the offer.

      Universal Coin & Bullion should be advertising on the internet rather than on a magazine that comes out a month after they put the ad in. If they advertise it on the internet on the day you see it, then that's usually the price. They need to improve their business as far as promotion. They didn't charge for shipping, which was part of what they were offering, and my purchase came regular delivery. However, I wanted three bars, and they sent me two coins and a bar. And the bar that they sent me was used. I knew it because it was tarnished.

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      Verified purchase
      PriceRates

      Reviewed Dec. 18, 2025

      I received one shipment from Universal Coin & Bullion. The delivery timeline of my order seemed fairly timely, and the product looked good. I'm assuming their price is comparable to other places. So, I would recommend them. I will probably do business with them again in the future.

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      Verified purchase
      Sales & MarketingStaffRates

      Reviewed Dec. 8, 2025

      I've bought silver before, and that's all I buy from Universal. I love my purchase experience. It was very easy to do, and the quality of the products is exactly what I expected. So perfect. Clint, their representative, is a good guy. They also have a good help program.

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      Universal Coin & Bullion Company Information

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