metal bullion. If you have free wire transfers, some of the time it might clear as fast for cheaper, but then again usually not and none of my banks offer free wires.

Most bullion dealers charge absurd markups for cards because people will steal credit cards or paypal account and drain it buying metals, which means the fraud premium for credit is sky high. Crypto is irreversible so you don't get stuck paying insurance premiums for fraud you're not engaging in.