Lear Capital review
Updated October 12, 2026 · SumCue Editorial Team
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Our verdict
For savers interested in physical metals, Lear Capital brings over 25 years of activity in bullion and IRA services with a narrow precious metals focus. Lear Capital is a precious metals firm for people who want retirement savings connected to physical coins and bars.
Key facts
- Best for
- Retirement savers exploring physical gold and silver
- Minimum deposit
- $10,000↗
- Markets
- Metals↗
- Account types
- IRA↗
- Legal entity
- Lear Capital, Inc.↗
- Headquarters
- United States↗
- Founded
- 1997↗
- Support channels
- Phone↗
- Official website
- learcapital.com
Facts checked September 26, 2026, 5 sources
Apps and profiles
- Get the app
- App Store
Pros and cons
Pros
- Focuses on physical gold, silver and platinum metals
- Offers a Self Directed IRA backed by physical metals
- Publishes weekly updates and clear economic explainers
- Brings over 25 years of precious metals activity
Cons
- Range stays limited to a small group of precious metals
- Focus centres on IRA services rather than wider investing
- Online research output may feel heavy for complete beginners
Who it suits
- People seeking retirement savings linked to physical metals
- Beginners wanting plain explanations of gold and silver
- Listeners who enjoy short weekly market updates
Who should look elsewhere
- Traders seeking broad share or bond markets
- Shoppers wanting everyday high street products
How Lear Capital compares
Where Lear Capital is available
- Available
- United States
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Lear Capital sell?+
Lear Capital sells gold and silver coins and bars. You can buy physical bullion directly or you can explore holding metals within a Gold IRA structure.
Which metals does its IRA cover?+
Its Precious Metals IRA covers gold, silver and platinum metals. The account is structured as a Self Directed IRA and it is backed by physical metals rather than paper assets.
How long has Lear Capital operated?+
Lear Capital has operated for over 25 years in precious metals. That history covers bullion sales alongside IRA services and investor education.
Who might use its Precious Metals IRA?+
The Precious Metals IRA is aimed at people planning for retirement security. It suits savers who want their retirement account linked to physical gold, silver or platinum metals.
What is the minimum deposit at Lear Capital?+
The minimum deposit at Lear Capital is $10,000. (Source, checked September 26, 2026)
What account types does Lear Capital offer?+
Lear Capital offers these account types: IRA. (Source, checked September 26, 2026)
Where is Lear Capital based?+
Lear Capital is based in United States. (Source, checked September 26, 2026)
When was Lear Capital founded?+
Lear Capital was founded in 1997. (Source, checked September 26, 2026)
How can I contact Lear Capital support?+
Lear Capital offers support through Phone. (Source, checked September 26, 2026)
Sources
- g20.einnews.com/pr_news/874321743/lear-capital-review-new... checked September 26, 2026
Backs: Minimum deposit
“$10,000 minimum for Precious Metals IRAs”
- goldirasites.com/lear-capital-review checked September 26, 2026
Backs: Headquarters
“Seated: Los Angeles, California”
- offers.learcapital.com/a/jgroup/Lear_IRARetirementGuideAn... checked September 26, 2026
Backs: Legal entity
“Lear Capital, Inc. (LCI) will pay up to $500 of the IRA setup”
- ownx.com/comparisons/lear-capital-gold-ira-vs-ownx-precio... checked September 26, 2026
Backs: Founded
“founded 1997 with strong current ratings (ownx comparison of Lear Capital)”
- learcapital.com checked September 26, 2026
Backs: Account types, Markets, Support channels
“Open or Rollover an IRA Account - Precious Metals IRA”
Compiled from 5 source pages, checked October 13, 2026. We did not open an account.
Not confirmed yet: Stock trade fee, Account fee, Inactivity fee, Regulators, Investor protection, Retail accounts that lose money.