The industry's first Precious Metals reward card

Invest As You Spend1

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Redeem points to purchase from over
25,000 products at


4% Back in
Gold & Silver2



1% Back in
Gold & Silver

on all other purchases


15,000 Bonus

A $150 value after
spending $1,500

How The Bullion Card Works

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Use The Bullion Card to buy groceries, run errands and pay bills.


Earn 4 points per dollar spent at APMEX2. Earn 1 point per dollar spent on all other purchases.


Turn your points into Gold and Silver. Take possession of physical precious metals through APMEX.

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No Annual Fee4

0% APR on purchases for 12 months4.

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Points Never Expire5

0% APR for 12 months on Balance Transfers made within the first 60 days of account opening.

After your introductory period expires, a variable APR of 19.49% – 29.49% will apply based on your creditworthiness.

More Card Benefits

Welcome to the Elite Club

Once approved for The Bullion Card, you become a member of the Elite Club and you’ll immediately start receiving benefits unavailable to most customers6.


Timely Notifications

Receive notifications about special promotions and offers, new product availability or significant market movements.


Exclusive Offers

Get access to special discounts or pre-orders that are not typically made available to the majority of our customers.


Flash Sales

Be among the first to know about flash sales, which offer some of the best deals on many of our most popular products.


Anniversary Gifts

Receive an exclusive gift each year on your Program Anniversary. We appreciate you!

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Plus More Exclusive
Club Benefits

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Premium Visa
Signature Benefits

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Contactless Card

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Card management

through Card Center Direct

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Pricing & Information

1. Cardholders earn rewards as points that can be redeemed towards future purchases with APMEX.

2. Cardholders will earn 4 points per dollar on net purchases made at either APMEX or OneGold. After earning 500,000 points on combined APMEX and OneGold purchases per calendar year on any rewards account, cardholders will earn 1 point per dollar on net purchases made at either APMEX or OneGold. Cardholders will earn 1 point per dollar on other net purchases, outside of purchases made at either APMEX or OneGold. Please see The Bullion Card Rewards Terms and Conditions for complete details.

3. Within 90 days of account opening of your new Bullion Card, approved applicants must use the card to make $1,500 in net purchases to receive 15,000 bonus points. Bonus points will be applied to your account within 45 days of meeting the spending requirement. The following transactions are excluded from “purchases” and do not earn rewards points: convenience checks, balance transfers, cash advances, returns, finance charges, and credit card interest or fees.

4. Annual Fee: None. APRs: APR for Purchases: 0.00% introductory APR for 12 months. After the first 12 months, 19.49% to 29.49% based on your creditworthiness. This APR will vary with the market based on the prime rate. APR for Balance Transfers: 0.00% introductory APR for the first 12 billing cycles for balances transferred within 60 days from account opening. After the first 12 billing cycles, and for balance transfers made more than 60 days from account opening, 19.49% to 29.49% (based on your creditworthiness) if your balance transfer is treated as a purchase, or 31.49% if your balance transfer is treated as a cash advance. That APRs will vary based on the prime rate. APR for Cash Advances: 31.49%. This APR will vary with the market based on the prime rate. Fees: Minimum Interest Charge: If you are charged interest, the charge will be no less than $0.50. Balance Transfers: 3% of the amount of the balance transfer, with a $15 minimum and no maximum. Cash Advances: 3% of the amount of the cash advance, with a $15 minimum and a $50 maximum. Foreign Transactions: 2% of the U. S. dollar amount of each cash advance or purchase. The issuer retains the right to change the rates and fees that apply to your account as permitted by applicable law. For more information, see the issuer’s Important Cost Information about our Credit Card disclosure, which is provided with the issuer’s credit card application. Information about the costs of credit cards is accurate as of September 1, 2023. This information may have changed after that date. To find out what may have changed, call the issuer at 855.368.0410 or write to us at UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.

5. Points will not expire if you have Card activity (new purchases or cash advances) at least once in the preceding 24-month period, or if you have a new purchase in your APMEX or OneGold customer account within this time period. Otherwise, all points will expire following 24 months without qualifying activity in either your credit card account or your APMEX or OneGold customer account. Points and rewards cannot be used as a credit on the balance you owe on your credit card account or as a payment on other accounts you may have with the Issuer or any of its affiliates.

6. Cardholders who apply on APMEX and are approved for The Bullion Card will receive The Bullion Club Elite membership. For more information on this membership, visit Cardholders who apply on OneGold and are approved for The Bullion Card will not receive The Bullion Club Elite membership.

7. Auto rental insurance is provided at no additional cost. Certain exclusions and conditions apply. See the Visa Guide to Benefits for details. The issuer will send you the Guide to Benefits with your card.

By applying for and using your Bullion Card Visa® Credit Card, you are authorizing Issuer to share information with APMEX and OneGold and its affiliates as necessary to fulfill rewards. APMEX and OneGold are responsible for fulfillment of the reward points.

Subject to credit approval. See the card application for important rates, fees, and program information. This card is issued by UMB Bank, n.a. pursuant to a license from Visa U.S.A Inc. Offers subject to change without notice.