I always buy on a card, which is why the Bullion Card is really nice because you get the card fees back as rewards. Also stacked a lot of free rewards points for getting the card during the Black Friday sale and maxing it out, stacking the Black Friday bonus points along with the ones you get after spending 1500. I've just been carrying the balance with minimum payments since I have the 0% introductory APR and don't have to pay it off until December. It's like free ghetto margin on physical silver.