The Bullion Card

The Industry's Best Precious Metals Reward Card

Invest As You Spend

Invest As
You Spend

Get Yours Now

Up to 5% Back in Gold and Silver on APMEX purchases¹

4% Back in Gold and Silver on OneGold purchases¹

1% Back in Gold and Silver on all other purchases¹

15,000 Bonus Points after spending $1,500. A $150 value.²

Points Never Expire with an active account³

Unlock VIP Benefits in the Bullion Club

0% APR
on all purchases for
12 months^4,5

0% APR
for 12 months on Balance Transfers made within the first 60 days of account opening^4,5

After your introductory period expires, a
variable APR of 17.74%-27.74% will apply based on your creditworthiness.

Apply Now

Investing in Metals Has Never Been Easier

When you use your Bullion Card, you can earn points from every purchase on APMEX, every meal, every trip, every bill, and every home improvement project, that you can redeem for precious metals.

Here’s how it works:

Spend

Use your Bullion Card on APMEX or any retailer.

Earn

Earn 4 points for every dollar spent on APMEX and 1 point for every dollar spent on any other purchase1.

Invest

Turn your points into gold and silver by redeeming them for any of 25,000 products on APMEX.

See how your points can build your portfolio:

Redeem

1,000+

8,000+

40,000+

55,000+

260,000+

460,000+

Points for

1 oz Silver Round

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.

Ready to Build Your Portfolio?

Apply Now

APMEX Members Get Behind the Velvet Rope

When you create an account with APMEX, you automatically join The Bullion Club and enjoy the benefits of membership. But when you’re approved for The Bullion Card, you instantly rise to Elite status. In addition, approval for The Bullion Card – Gold Edition gives you access to VIP benefits.

Here are some of the benefits you’re missing:

Special Offers

Members-only discounts and pre-orders. The higher the tier, the better the deals.

Early Access

Jump to the front of the line on popular new releases and promotions with limited quantities.

Exclusive Flash Sales

Shop the best deals on our most desired products, only available to Bullion Club members.

Annual Gifts

We celebrate you every year with an anniversary gift.

Apply Now

Pick Your Perfect Fit

The Bullion Card

Apply Today

The Bullion Card

Card Material	Standard Plastic
How Do I Get It?	Apply Today
APMEX and Everyday Rewards	4% on APMEX + 1% everyday purchases
Bullion Club Status	Elite⁶Early Access to Flash Sales, Priority Order Fulfillment, Exclusive Offers, and more
APR on Purchases APR on Balance Transfers	0% APR⁴After your introductory period expires,Variable APR of 17.74% -27.74% based on creditworthiness
Bonus Points	15,000²
Annual Fees	Zero⁴

The Bullion Card -
Gold Edition

Apply Today

The Bullion Card – Gold Edition

Card Material	Metal
How Do I Get It?	Apply Today
APMEX and Everyday Rewards	5% on APMEX + 1% everyday purchases
Bullion Club Benefits	Unlock VIP BenefitsFree Shipping on all orders, Exclusive Offers and promotions
APR on Purchases APR on Balance Transfers	0% APR⁵After your introductory period expires,Variable APR of 17.74% -27.74% based on creditworthiness
Bonus Points	15,000²
Annual Fees	$299⁵Waived when you spend over $25,000 in a calendar year or if you are an APMEX VIP customer.

Take Your Rewards to a New Level

With The Bullion Card – Gold Edition

With The Bullion
Card – Gold Edition

The Gold Edition is a fast pass to the Bullion Club’s VIP benefits. Plus, you receive 5% back on purchases of gold and silver. The Bullion Card is good but find out if Gold Edition is better for you.

Learn More

Frequently Asked Questions

Unfortunately, eligibility for The Bullion Card program is restricted to individuals who have a statement address within the 50 United States, the District of Columbia, or any U.S. Possession or Territory. During the application process, individuals must also provide a valid Social Security Number.

The Bullion Card is issued by UMB Bank, n.a. When you apply for The Bullion Card, you will be creating a credit card account with UMB Bank. You can contact UMB Bank by calling 1-888-412-0524 or writing to UMB Bank, n.a., P.O. Box 419734, Kansas City, Missouri 64141-6734.

The Bullion Card is made from high quality, thick plastic card stock. The front of the card is matte dark blue with an applied gloss bullion bar effect. The card core is light blue.

The card is stainless-steel and laminated gold (color). It does not contain any gold.

If you have The Bullion Card and want to upgrade to the Gold Edition, you can apply through the link. Unfortunately, due to banking regulations, cardholders who have had The Bullion Card for less than a year will not have their applications approved.

If you have a question about your credit card account, please call UMB’s customer service number at 1-888-412-0524. UMB’s customer service center is open 24 hours a day, 7 days a week. You can also visit your local UMB bank branch during business hours.

If you have a question about the rewards program offered by APMEX and OneGold, please call our customer service number at 1-800-311-8902. Our customer service center is open Monday through Friday from 9:00 a.m. to 6:00 p.m. ET.

In most cases, customers are immediately approved or declined. For customers who are approved, cards typically arrive in 7 days. In some cases, UMB may require additional information to process your application. In these cases, your application is put into a “pending” status where UMB will wait for you to respond before processing your application. This could result in your card arriving past the 7 day threshold. Failure to provide UMB with additional information could result in your application being declined.

The Bullion Card (Blue Edition) has no annual fee.⁴

VIP 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. Non-VIP members receive VIP benefits with the card, but this is not the same as VIP status in the Bullion Club.⁴

You can activate your new Bullion Card by calling 1-800-819-9889.

You may have access to your account shortly after approval, but digital wallet availability and instant card usage depends on the issuer s setup and your device eligibility.

Log into Card Center Direct (www.cardcenterdirect.com). Click the Card Management link on the left. Fill out the information and provide your updated income. Please note that UMB automatically reviews credit limits at least once per year. In addition, if you were approved for The Bullion Card in the last 6 months, UMB will not consider a credit limit increase unless you provide updated income information.

To view your transaction history, pay your bill and enroll for e-statements, please log onto www.cardcenterdirect.com. If you recently received a new Bullion Card and do not have a Card Services account, you will need to create a new account by clicking on the New User link.

Please reach out to UMB’s service center at 1-888-412-0524 for immediate assistance or contact your local UMB bank branch during business hours. Once you notify UMB of a lost or stolen card, UMB will work to make sure the card gets shut down to help prevent fraudulent activity from occurring.

If you forgot your PIN, you can call UMB at 1-888-412-0524 or contact your local UMB bank branch and UMB will mail a reminder to your address on file. This reminder can take up to 5 days to receive. If you can’t wait for the reminder to arrive, you can call UMB’s automated system at 1-800-819-9889 and reset it immediately.

If you plan to use your UMB credit card in another country, please let UMB know your travel dates and destinations before you leave. You can let UMB know by calling 1-888-412-0524 or contacting your local UMB bank branch. When you let UMB know, they will place a travel notification on your account. You can also place the travel notification yourself through Card Center Direct (www.cardcenterdirect.com) by clicking on the Card Management link on the left.

Once a dispute has been opened, UMB has up to 10 days to place a temporary credit into your account while the case is being worked to its completion. It is possible that UMB is still working to process any temporary credits for your account.

You can earn points by spending your Bullion Card on everyday purchases and at APMEX and OneGold. Points will be accumulated at the rate of:

1. Four (4) points per every one (1) dollar charged to your Bullion Card on APMEX.com and APMEX mobile app purchases.¹
2. Four (4) points per every one (1) dollar charged to your Bullion Card on OneGold.com and OneGold mobile app purchases.¹
3. One (1) point per every one (1) dollar charged to your Bullion Card on all other purchases.¹

You can earn points by spending your Bullion Card on everyday purchases and at APMEX and OneGold. Points will be accumulated at the rate of:

1. Five (5) points per every one (1) dollar charged to your Bullion Card on APMEX.com and APMEX mobile app purchases.¹
2. Four (4) points per every one (1) dollar charged to your Bullion Card on OneGold.com and OneGold mobile app purchases.¹
3. One (1) point per every one (1) dollar charged to your Bullion Card on all other purchases.¹

One (1) point has a redemption value of one penny ($0.01).

Points are posted to your APMEX or OneGold account once monthly, about 7 days from the end of the month. Points are available for redemption as soon as they are posted to your APMEX or OneGold account.

Within 90 days of account opening of your new Bullion Card, you 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.²

Point earnings are based on the net retail purchase transaction volume, (i.e., purchases less credits, returns and adjustments). If a transaction is subject to a billing dispute, the point value of the transaction may be deducted from the point total during the dispute period. If the transaction is reinstated, points will be reinstated.

Your points will not expire if you have new purchase or cash advance activity on your Bullion Card, or if you have a new purchase in your APMEX/OneGold customer account, at least once in the preceding 24-month period.⁴

You can view your points balance on APMEX by navigating to www.apmex.com, signing into your account, and clicking The Bullion Card Rewards link. From there, you will be taken to a page showing your current points balance and past points activity.

Simply shop as you normally would on APMEX.com. During the checkout process, you will have the option to use some or all of your points as payment for your order.

Points cannot be bought, sold, or transferred in any way. Points may only be redeemed at APMEX.com or the APMEX mobile app for future purchases of products sold by APMEX.

Full details of APMEX Elite Club Benefits can be found through the following link: https://www.apmex.com/bullion-club

You can view your points history on OneGold by navigating to www.onegold.com, signing into your account, going to your account settings on the upper right side of the screen, and clicking The Bullion Card link. From there, you will be taken to a page showing your past points activity.

You have the option to automatically redeem your points directly into a product of your choice on The Bullion Card Rewards page. From there, you can choose how to spend your Bullion Card rewards, whether in gold, silver, platinum, or cash. OneGold will automatically invest your rewards every month into the asset of your choice. If you select a metal, rewards will be allocated in 0.001 oz increments. Any residual rewards will be deposited into your OneGold cash balance.

Points cannot be bought, sold, or transferred in any way. Points may only be redeemed at OneGold.com. However, you can cash out of your points by submitting a Withdraw order through your OneGold account. We will then send funds via bank wire, bank ACH or check.

If you are approved for The Bullion Card and meet the qualifying criteria, you may receive Elite tier Bullion Club benefits, which can include perks like improved pricing and enhanced club privileges.⁶

No. If you are approved for The Bullion Card – Gold Edition and meet the qualifying criteria, you may receive VIP tier Bullion Club benefits, which can include perks like improved pricing and enhanced club privileges.⁶ VIP Status is earned by buying or selling $100,000+ in lifetime value through APMEX.

Elite is one of the higher tiers in the Bullion Club and is designed for customers who are highly engaged with APMEX. Elite members receive enhanced benefits compared to Select and Premier, including stronger pricing and access to exclusive offers.

In most cases, no. If you qualify, your Elite status and benefits will be applied automatically to your account. If you believe you qualify but don’t see your status reflected, customer service can help verify your account.

Elite status is tied to Bullion Club qualification rules and program requirements. If your activity changes over time, your tier status may also change. APMEX will always reflect your current tier based on Bullion Club criteria.⁶

VIP Benefits are tied to Bullion Club qualification rules and program requirements. If you are not already a VIP member of the Bullion Club and close your account for the Bullion Card – Gold Edition, you will lose VIP benefits. If your activity changes over time, your tier status may also change. APMEX will always reflect your current tier based on Bullion Club criteria.⁶

Your Bullion Card is equipped with a contactless chip. Contactless is fast, easy and convenient. Simply tap your card on the checkout terminal to make a purchase. Your payment is processed in seconds. Enjoy the same dynamic security as a chip card.

Yes, your Bullion Card has secure access to Apple Pay®, Samsung Pay®, Garmin Pay™ and Fitbit Pay™. You can now tap to pay for fast, easy, and secure checkout.

Additional benefits for Visa Traditional credit cards and Visa Signature credit cards can be found through the following link: https://usa.visa.com/support/consumer/card-benefits.html

Premium Visa
Signature Benefits

Cardholders with a $5,000 or higher credit line receive the benefits of VISA Signature.
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.

Get Started

Contactless Card

Look, Tap and Go

Card management

through Card Center Direct

Apple Pay is a registered trademark of Apple Inc.

Google Pay is a trademark of Google LLC.

Fitbit, Fitbit Pay, Fitbit Ionic, Fitbit Versa, Fitbit Versa 2 and Fitbit Charge 3 are trademarks or registered trademarks of Fitbit, Inc.

Garmin and the Garmin logo are trademarks of Garmin Ltd. or its subsidiaries and are registered in one or more countries, including the U.S. Garmin Pay is a trademark of Garmin Ltd. or its subsidiaries.

The Contactless Indicator mark, consisting of four graduating arcs, is a trademark owned by and used with permission of EMVCo, LLC.

Pricing & Information

1. Bullion (Blue Edition) Cardholders will earn 4 points 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. 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 Rewards Terms and Conditions for complete details.
Bullion Card – Gold Edition 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. 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.

3. 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.

4. Annual Fee: None. APRs: APR for Purchases: 0.00% introductory APR for 12 months. After the first 12 months, 17.74% to 27.74% 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, 17.74% to 27.74% (based on your creditworthiness) if your balance transfer is treated as a purchase, or 29.74% if your balance transfer is treated as a cash advance. That APRs will vary based on the prime rate. APR for Cash Advances: 29.74%. 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 January 1, 2026. 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. Annual Fee: $299 (Waived for Bullion Club VIP Members). APRs: APR for Purchases: 0.00% introductory APR for 12 months. After the first 12 months, 17.74% to 27.74% 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, 17.74% to 27.74% (based on your creditworthiness) if your balance transfer is treated as a purchase, or 29.74% if your balance transfer is treated as a cash advance. That APRs will vary based on the prime rate. APR for Cash Advances: 29.74%. 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 January 1, 2026. 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.

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 https://www.apmex.com/bullion-club. 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.