For small time buyers, sometimes you can pick up a deal there when the price of Silver gets to around the $42+ range. Case in point, the United States Mint America the Beautiful Quarters Silver Proof Set™ (SV2) for $39.95. That's 5 Quarters = 0.90423974725 oz. Shipping is only $4.95 for any order. Get a few sets and it works out pretty good.
I just ordered 6 sets 5.425 ozs for $244.65 and it worked out to $45.106/oz. and no extra for credit cards. I checked around for plain rounds, 5oz bars, etc. and the price was competitive/better and you get shiny proof coins in a pretty holder! Woooooo!