Head-to-Head Comparison

Regal Assets vs Lear Capital

When you've spent 30 years building your retirement savings, you can't afford to trust it to the wrong company. Let's look at what actually matters.

For someone with $500k saved over a lifetime of hard work, we focus on the things that count: BBB complaint history, how they handle problems, and whether customers actually recommend them to friends—not just flashy marketing.

Regal Assets
4.2A$10,000 min
Lear Capital
4.5A+$25,000 min

Between Regal Assets and Lear Capital, Lear Capital is the stronger choice with a 4.5/5 rating, A+ BBB grade, and a $25,000 minimum investment. Regal Assets scores 4.2/5 with a A BBB rating. Lear Capital is best for experienced investors who value longevity and real-time market data, while Regal Assets is better for investors interested in combining precious metals with cryptocurrency.

OUR RECOMMENDATION

Lear Capital Wins

With a rating of 4.5/5 and A+ BBB rating, Lear Capital edges out Regal Assets (4.2/5).

Get Started with Lear Capital

Side-by-Side Comparison

Feature
Regal Assets
Lear Capital
Our Rating
4.2
/ 5.0
4.5
/ 5.0
BBB Rating
AA+
Minimum Investment$10,000$25,000
Setup FeeFree$100
Annual Fee$250$200
Storage Fee$150$180
Metals Offered
GoldSilverPlatinumPalladium
GoldSilverPlatinumPalladium
Founded20091997
Customer Reviews1,2341,523
Best ForInvestors interested in combining precious metals with cryptocurrencyExperienced investors who value longevity and real-time market data
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Recommended

Looking for a third option? Augusta Precious Metals is our #1 rated Gold IRA company for 2026.

Pros & Cons Comparison

Regal Assets

Pros

  • Crypto IRA option
  • All four precious metals
  • No setup fees
  • Offshore storage options

Cons

  • Higher annual fees
  • Some regulatory concerns in past
  • Crypto adds complexity/risk

Lear Capital

Pros

  • Longest track record (since 1997)
  • Price advantage guarantee
  • Real-time precious metals pricing
  • 24-hour risk-free purchase guarantee
  • Free investor guide and market updates

Cons

  • Higher fees overall
  • Some complaints about aggressive sales
  • Lawsuit history (settled)

Company Overviews

Regal Assets

Regal Assets is unique in offering both precious metals and cryptocurrency IRAs, appealing to diversified alternative investors.

4.2/5 ratingA BBBFounded 2009
Read Full Review →Visit Website →

Lear Capital

Lear Capital is one of the oldest precious metals dealers in the country, operating since 1997. They offer comprehensive market research and real-time pricing tools for informed investing.

4.5/5 ratingA+ BBBFounded 1997
Read Full Review →Visit Website →

The Bottom Line

Look, you didn't work 30 years to hand your savings over to a company that might let you down. Based on complaint history, customer service track record, and how they treat people with real money on the line, Lear Capital edges ahead (4.5/5 rating). That said, your situation matters:

Choose Regal Assets if:

Investors interested in combining precious metals with cryptocurrency

Choose Lear Capital if:

Experienced investors who value longevity and real-time market data

Regal Assets vs Lear Capital FAQs

Is Regal Assets or Lear Capital better for a Gold IRA?
Lear Capital edges ahead with a 4.5/5 rating compared to 4.2/5. Lear Capital is best for experienced investors who value longevity and real-time market data. However, Regal Assets may be a better fit if you're looking for investors interested in combining precious metals with cryptocurrency.
What is the minimum investment for Regal Assets vs Lear Capital?
Regal Assets requires a minimum investment of $10,000, while Lear Capital requires $25,000. Regal Assets has the lower entry point.
How do Regal Assets and Lear Capital fees compare?
Regal Assets charges $0 setup, $250/year maintenance, and $150/year storage. Lear Capital charges $100 setup, $200/year maintenance, and $180/year storage. Compare total first-year costs: $400 (Regal Assets) vs $480 (Lear Capital).
Can I have accounts with both Regal Assets and Lear Capital?
Yes, you can open Gold IRAs with multiple custodians. However, most investors find one quality provider sufficient. Annual IRA contribution limits ($7,000 in 2026, $8,000 if 50+) apply across all IRAs combined, though rollover amounts are unlimited.
Our #1 Recommendation

Ready to Protect Your Retirement?

Augusta Precious Metals has been rated #1 in our comprehensive review. Their education-first approach means you'll never feel pressured. Request a free info kit today.

A+ BBB Rating
4.9/5 Rating
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