How At Cost Metals works — and what it actually costs.
No coy "contact us for pricing." Here's the honest version: how the membership works, what it typically costs, whether it's worth it for you, and the simple steps to start owning gold and silver at dealer cost.
Book 15 minutes with Teri Free, no pressure — get your questions answered before you decide.How it works, in 3 steps
Join the membership
A membership (like Costco or Sam's Club) unlocks near dealer-cost pricing across the catalog. It's sold through an independent affiliate.
Buy at cost
Catalog prices drop to roughly what the dealer pays — no per-item retail premium, no minimums, buy fractional amounts.
Take delivery
Your metal ships to your door with insured shipping, and you can sell back later.
What it costs
Pricing is set by the company and changes over time, and the company currently publishes three metals tiers — $99 for 6 months, $179 for 12 months and $299 for 24 months — so the range is roughly $99–$299 depending on tier and term, sometimes with an optional coin-of-the-month add-on. Always confirm the current price on the official site before joining.
Two checks worth doing before you pay. First, other price lists are in circulation — you may see "$149 or $399," or a $95-per-month graded-coin auto-ship offered alongside the membership. The $149/$399 pair is 2024-era pricing: we traced it on 21 September 2026 to a January 2024 review on the MLM-industry site BehindMLM, which listed those two packages at $149 annually and $399 every 18 months. They still carry the same names today — at $179/12mo and $299/24mo — which is exactly why the old figures keep resurfacing as if they were a current choice. Second: check the address bar and make sure the price, the term and the entity on your enrolment page are the ones you agreed to. We walk through all three published price lists, and what we could and couldn't verify about each, in the membership tiers comparison.
The key idea: the membership replaces the premium you'd otherwise pay on every single coin. So the math is simple — the more metal you buy, the faster the membership pays for itself. The company states members save an average of 7–10% versus its biggest competitors, and openly invites you to price-check it against anyone.
Want to run your own numbers? Use the at-cost savings calculator, and read exactly what at-cost pricing means in our plain-English explainer.
Is it worth it?
It comes down to volume. If you stack regularly — monthly silver, dollar-cost-averaging into gold, building a real position — the membership tends to pay for itself quickly and keep saving after that. If you'll buy once and forget about it, a low-premium one-off purchase might serve you better. Still deciding? Read the full At Cost Metals review and our honest take on whether it's legit. Comparing memberships? See At Cost Metals vs. MetalStacks vs. OWNx.
One thing worth knowing before you pick a tier: the $99 Affiliate Only Package is not the same thing as the $99 Intro Membership. Same price, opposite products — the first gives you marketing tools but no at-cost pricing, the second gives at-cost pricing. If you're joining to buy metal, you want the membership. We break the whole structure down in the affiliate program, honestly explained.
How to start
- Talk it through first (recommended). Book 15 minutes with Teri — ask anything, zero pressure.
- Confirm current pricing and the membership tier that fits how you buy.
- Join through your affiliate, then place your first at-cost order and choose delivery or vault.
- Price-check your first purchase against a major dealer so you see the savings for yourself.