RJ Bullion Review

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RJ Bullion is an online precious metals dealer based in the Chicago area, selling gold, silver, platinum, palladium, and copper products alongside estate jewelry and coin auctions.

The company operates as a division of Regal Jewels Inc., a family business founded in 1987, which gives it a longer operating history than many bullion-only retailers even though its metals-specific track record is shorter.

This review covers what RJ Bullion sells, how its pricing and shipping compare to the broader bullion market, and what buyers should know before placing an order in 2026.

Key Takeaways

• RJ Bullion sells gold, silver, platinum, palladium, and copper from major mints, with prices tied to live spot rates that update throughout the trading day.
• The company has fewer independent customer reviews than larger competitors like JM Bullion or APMEX, which makes it harder to judge service quality at scale.
• Shipping runs 3 to 5 business days after cleared payment, all orders ship fully insured, and there are no returns on bullion coins once purchased.

Company Background

RJ Bullion LLC operates under Regal Jewels Inc., a Chicago jewelry business established in 1987 that originally served the city's ethnic jewelry market before expanding into bullion sales.

The company is based in Skokie, Illinois, and keeps standard business hours of 9:00 AM to 5:00 PM, Monday through Friday. Customers can reach the company by phone at 312-530-5000.

RJ Bullion lists affiliations with the American Numismatic Association (ANA), the Numismatic Guaranty Company (NGC), the Professional Coin Grading Service (PCGS), and the Better Business Bureau (BBB).

These affiliations are common among established coin and bullion dealers and signal a baseline level of industry participation, though they don't substitute for a large volume of verified customer reviews.

Product Range

RJ Bullion's catalog covers five metals: gold, silver, platinum, palladium, and copper.

Within each metal, the site organizes products by mint, including the U.S. Mint, Royal Canadian Mint, Austrian Mint, Royal Mint, Chinese Mint, South African Mint, Mexican Mint, and the Perth Mint.

Gold buyers can choose from American Eagles, American Buffalos, Austrian Philharmonics, Canadian Maple Leafs, Krugerrands, Britannias, Chinese Pandas, and pre-1933 U.S. gold coins, along with generic bars and rounds.

Silver options include the same mint lineup plus 90% U.S. junk silver coins. Platinum and palladium selections are smaller, as is typical across the industry, and copper is limited to rounds and bars.

Beyond bullion, RJ Bullion also runs a jewelry section and periodic coin auctions, a byproduct of its Regal Jewels roots. This dual focus is somewhat unusual.

Most bullion-only dealers don't carry estate or fine jewelry, so RJ Bullion's crossover into that category is a direct result of its 1987 founding as a jewelry business rather than a pure metals operation.

Pricing and Live Spot Data

RJ Bullion displays live spot prices on every page of its site, updated continuously during market hours. As of early July 2026, the posted spot prices were:

These figures move constantly, so they should be treated as a snapshot rather than a fixed reference. For context, gold has had an unusually active year.

Spot gold hit an all-time high of $5,589.38 per ounce on January 28, 2026, driven by escalating U.S.-Iran tensions and a weakening dollar, before pulling back through the spring.

By early July, gold was trading around $4,170 per ounce, still roughly 25% higher than the same point in 2025, according to Trading Economics data.

Central banks added 243.7 tonnes of gold in the first quarter of 2026 alone, and bar-and-coin demand rose 42% year over year even as jewelry demand fell, per World Gold Council figures cited by market analysts.

That backdrop matters for anyone comparing RJ Bullion's premiums against competitors, since dealer markups tend to compress when spot prices are this volatile and buyers shop harder on price.

Silver has also moved sharply. Spot silver crossed $60 per ounce in mid-2026 after years of trading in the teens and twenties, a shift that changes the math on smaller purchases like 90% junk silver coins or fractional bars, where dealer premiums make up a larger share of the total cost at lower price points.

RJ Bullion doesn't publish a fixed markup schedule on its site. Buyers need to add items to the cart to see the final price, which is standard practice across the bullion industry but means comparison shopping takes more manual effort than dealers who list premiums upfront.

Platinum and palladium have moved less dramatically than gold and silver this year, though both remain above their five-year averages. J.P. Morgan Global Research has forecast gold averaging $6,000 per ounce by the fourth quarter of 2026, while Standard Chartered projected an average of $4,500 per ounce over a rolling 12-month window, noting gold has outperformed both stocks and bonds for two straight years.

Forecasts like these vary by firm and don't guarantee where spot lands by the time an order ships, but they explain why premiums and stock levels have shifted more often in 2026 than in a typical year.

Dealers across the industry, RJ Bullion included, have had to reprice inventory more frequently as mints work through elevated demand for bars and rounds.

Shipping, Insurance, and Returns

Orders ship after "good funds" are received, which typically means 3 to 5 business days for the continental United States once payment clears.

RJ Bullion states that shipping rates shown at checkout already include full insurance, and the company retains risk of loss until the package is delivered.

If a carrier reports a package as lost, RJ Bullion says it will replace or refund the order only after the carrier confirms the loss in writing, which can extend resolution timelines beyond what some buyers expect.

International orders are handled differently. Payment must be made by wire transfer only, and the customer covers all wire fees, duties, and taxes.

If an international package goes unclaimed and is returned, RJ Bullion refunds the purchase price minus 5% plus shipping and insurance costs already incurred. Refunds on international orders are only wired back to the original sending account, with no exceptions.

Returns on bullion coins are not accepted once a sale is complete. Certified coins can be returned only if the protective holder is undamaged and unopened.

Anything shipped back to RJ Bullion must go through a major carrier with tracking and insurance, and the company assumes no responsibility for items in transit back to them.

This is a stricter return policy than some competitors offer, and it reflects the fact that bullion prices move by the minute, so dealers generally avoid taking back product once a trade has locked in a price.

Payment Methods and Ordering Process

RJ Bullion accepts credit cards, bank wires, and personal checks for domestic orders. Once a confirmation number is issued, the company treats the price as locked in for both buying and selling transactions, and any packing, handling, or insurance costs are passed to the customer.

There is no in-store pickup option. All metal is stored in secured, off-site vaults, so every order, including for local Chicago-area customers, ships rather than getting handed over in person.

RJ Bullion also buys back the products it sells and states it can source numismatic coins that aren't listed on the site through its dealer network.

Large purchase discounts are available on request by phone, which is common practice for bullion dealers working with high-volume buyers, though the discount structure isn't published.

Order cancellations follow a strict policy too. Once a confirmation number goes out, RJ Bullion treats the transaction as final on both sides of the trade.

This matters in a market like 2026's, where gold has swung by hundreds of dollars within a single trading day. A buyer who locks in a price and then sees spot drop before shipment has no recourse to cancel, and the same rule applies in reverse if spot rises.

That symmetry is standard across the bullion industry, since dealers carry the same price risk while holding inventory, but it's worth understanding before submitting an order during a volatile trading week.

Reputation and Customer Reviews

This is where RJ Bullion trails the larger national dealers. Independent review coverage for RJ Bullion is thin compared to companies like JM Bullion or APMEX.

JM Bullion, for comparison, carries a 4.59 out of 5 rating on BBB across 461 reviews, alongside 172 filed complaints, and a 4.6 average on Trustpilot from more than 1,300 reviews.

RJ Bullion doesn't have a comparable volume of public feedback, which isn't necessarily a red flag on its own, since it reflects a smaller, more regionally concentrated customer base rather than confirmed service problems.

But it does mean buyers have less third-party data to work with when deciding whether to trust the company with a large transaction.

The professional affiliations RJ Bullion holds with ANA, NGC, PCGS, and BBB are a reasonable starting point for vetting the company, but they carry less weight than a large body of verified transaction reviews.

Anyone considering a first purchase, especially a large one, may want to start with a smaller order to test fulfillment speed and communication before committing to a bigger trade.

Who RJ Bullion Fits Best

RJ Bullion is a reasonable option for Chicago-area buyers who want a local dealer with decades of jewelry industry experience behind it and the option to develop a direct phone relationship with staff.

Its combined jewelry and bullion catalog also suits buyers who want both in one place, since most bullion-focused competitors don't carry fine or estate jewelry.

Buyers who prioritize a large published review history, published pricing tables, or in-store pickup may find better alignment with larger national dealers that specialize purely in bullion.