Invest As You Spend
Earn 5% Back in Gold & Silver¹
Apply for The Bullion Card - Gold Edition –
our first premium metal card.
5% Back in Gold and Silver on APMEX purchases1
1% Back in Gold and Silver on all other purchases1
Up to 10% Back in Gold and Silver during seasonal promotions on APMEX1
15,000 Bonus Points after spending $1,500. A $150 value3
Unlock VIP Benefits as a Gold Edition cardholder5
$299 Annual Fee Waived for Bullion Club VIP Members2
4% Back in Gold and Silver on OneGold purchases1
25,000 Products on APMEX to purchase with your points
Points Never Expire with an active account3
Upgrade to the Gold Edition
Get 5% back in gold and silver1 on every APMEX purchase
Upgrade from 4%. Every purchase made at APMEX with the Gold Edition earns 5% back in gold and silver.
$299 Annual Fee Waived for Bullion Club VIP Members2
Get all the benefits with none of the fees. Our way of saying thank you.
15,000 Bonus Points
After spending $1,500. A $150 value3
Premium Metal Card Design
Feels the way real money should.
Investing in Metals Has Never Been Easier
Spend
Use The Bullion Card – Gold Edition on APMEX or any retailer.
Earn
Earn 5 points for every dollar spent on APMEX and 1 point for every dollar spent on any other purchase.
Invest
Turn your points into gold and silver by redeeming them for any of 25,000 products on APMEX.
Build Your Portfolio With Every Purchase
The Bullion Card - Gold Edition turns everyday spending into real assets. Turn bills, gas and groceries into gold, silver or platinum with the click of a button.
See What Your Points Are Worth:
Redeem
Points for
24K Goldback Note
The points and products above are indicative only. The actual product available for rewards redemption will vary based on current spot prices, premiums and product availability.
Frequently Asked Questions
VIP Bullion Club Members will always have their annual fee waived. Non-VIP members must pay $299 annually or spend a minimum of $25,000 each year on the card to qualify for exemption.
No exclusions — every product on APMEX qualifies.
Within 90 days of account opening of your new Bullion Card – Gold Edition, 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.
The card is stainless-steel and laminated gold (color). It does not contain any gold.
Once your upgrade is processed, a new card will be mailed to you in 7-10 business days.
Premium Visa
Signature Benefits
Travel accident benefit: Up to $1,000 in insurance for death or disability while traveling.- Lost luggage reimbursement: Up to $3,000 reimbursement for lost checked baggage.
- Roadside assistance: Assistance for towing, tire changing, jump-starting, lockout service, fuel delivery, and winching for a flat fee.
- Auto rental damage waiver: Coverage up to the cash value of most rental cars for damage and theft.6
- Purchase security/extended protection: Up to $10,000 reimbursement for damages to new retail purchases.
- Travel and emergency assistance service: Receive assistance for medical, legal, transportation, cash advance and other services while traveling.
- Trip cancellation and interruption: Up to $2,000 insurance for cancellations due to accidental death, injury or sickness and carrier insolvency.
- Extended warranty: Up to 1 year in additional warranty coverage on retail purchases.
How to Apply for the Bullion Card
- Create a free APMEX account (if you don't already have one).
- Enter your personal and financial information on our secure online application.
- Get approved instantly when you qualify.
Contactless Card
Look, Tap and Go
Card management
through Card Center Direct
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Pricing & Information
1. Cardholders will earn 5 points per dollar on net purchases made at APMEX. Cardholders will earn 4 points per dollar on net purchases made at OneGold. Cardholders will earn 1 point per dollar on other net purchases, outside of purchases made at either APMEX or OneGold. During seasonal events on APMEX, cardholders can earn up to 10 points per dollar on net purchases made at APMEX. Please see The Bullion Card - Gold Edition Rewards Terms and Conditions for complete details.
2. Annual Fee: None. APRs: APR for Purchases:0.00% introductory APR for 12 months. After the first 12 months, 17.99% to 27.99% 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, 17.99% to 27.99% (based on your creditworthiness) if your balance transfer is treated as a purchase, or 29.99% if your balance transfer is treated as a cash advance. That APRs will vary based on the prime rate.APR for Cash Advances:29.99%. 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’sImportant 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 December 1, 2025. 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.
3. Within 90 days of account opening of your new Bullion Card – Gold Edition, 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 fees.
4. 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.
5. Cardholders who apply on APMEX and are approved for The Bullion Card – Gold Edition will receive The Bullion Club VIP membership. For more information on this membership, visit https://www.apmex.com/bullion-club. Cardholders who apply on OneGold and are approved for The Bullion Card – Gold Edition will receive The Bullion Club VIP membership.
6. 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 the Bullion Card – Gold Edition 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.
