If you’ve reached the later stages of Fallout 76, you’ve likely encountered the Gold Bullion system—Bethesda’s solution to high-end progression and exclusive gear. Whether you’re chasing that perfect Secret Service armor or unlocking camp plans to make your base shine, managing Gold Bullion efficiently can save you weeks of grinding.
Here are 24 practical tips and strategies for maximizing your returns and getting the most out of this valuable endgame currency.
1. Finish the Wastelanders Main Quest
The Gold Bullion system only becomes available after completing the Wastelanders questline. Make this your priority to unlock Vault 79.
2. Convert Treasury Notes Daily
Run events like “Radiation Rumble” or “A Colossal Problem” for Treasury Notes. You can exchange 40 per day into Gold Bullion.
3. Prioritize Daily Faction Dailies
Settlers and Raiders offer daily quests that reward Treasury Notes and faction reputation—both essential for unlocking vendors.
4. Don’t Ignore Public Events
Some of the best events in the game drop Treasury Notes, which directly convert into Gold Bullion. Think Encryptid and Eviction Notice.
5. Spend Smart at Gold Vendors
Instead of impulse-buying flashy items, plan your purchases. Focus first on impactful gear like Secret Service armor or high-level weapons.
6. Check All Gold Bullion Vendors
Each vendor has different stock. Spread your visits between Vault 79, Foundation, Crater, and Samuel at Watoga.
7. Focus on Plans, Not Weapons Early On
Weapon meta shifts frequently. Plans, especially for power armor and C.A.M.P. structures, offer long-term value.
8. Don’t Cap Yourself Out
The Gold Bullion cap is 10,000. Avoid hoarding unnecessarily—spend regularly to keep collecting from Treasury Notes.
9. Grind Events in Groups
High-yield events are much easier and faster with friends or a public team. You’ll earn more Notes per hour this way.
10. Watch for Weekly Gold Injections
You can buy Fallout 76 Caps and use them to trade for rare items you would otherwise need Bullion for—it’s a good workaround when you’re capped on daily Note redemptions.
11. Unlock Secret Service Armor Early
This armor set remains one of the best in the game due to its mod compatibility and high resistance. It’s a wise early Bullion investment.
12. Track Faction Reputation Closely
Your access to items depends on your Settler or Raider rep. Complete repeatable dailies to move the bar faster.
13. Camp Mods from Bullion Are Often Overlooked
Vendors like Samuel offer C.A.M.P. plans that enhance base aesthetics and utility. They’re not meta, but they make great long-term purchases.
14. Buy Ammo Crafting Plans Sooner Rather Than Later
Ammo plans like Ultracite and Plasma Cartridges are Gold Bullion-exclusive and can make you self-sufficient in combat.
15. Only Buy What You Need for Your Build
If you’re running a heavy gunner build, skip melee weapon plans. Don’t waste Gold on what you’ll never use.
16. Know the Event Rotation
Planning your gameplay around Treasury Note-rich events ensures maximum income per play session.
17. Don’t Forget Daily Ops
Though not a direct source of Bullion, Daily Ops reward legendary gear that saves Bullion for other uses.
18. Legendary Exchange Helps Fund Bullion Purchases
By offloading legendary drops, you’ll earn Scrip, which can be converted into other resources, reducing your need to spend Bullion.
19. Consider Community Trading
Some players prefer to trade Fallout 76 Items for gear they want rather than spending Bullion, especially if they’re capped.
20. Plan Your Gear Around Perk Loadouts
Only invest in plans that match your perk card and SPECIAL setup—this keeps your build efficient and cost-effective.
21. Use Gold Bullion for Endgame Armor Mods
Many advanced mods are locked behind Bullion vendors. Don’t overlook them when perfecting your loadout.
22. Skip Cosmetics Until Late Game
Gold Bullion cosmetics are tempting, but early on, it’s better spent on performance-enhancing gear.
23. Monitor Vendor Rotations and Patch Notes
Bethesda occasionally adds new items to Gold Bullion vendors. Staying informed lets you save Bullion for high-value drops.
24. Join Fallout Communities for Trading Tips
Communities often discuss the best ways to buy Fallout 76 Caps and spend Bullion. Learning from others’ mistakes can save you hundreds.
Gold Bullion is a slow but steady system, rewarding players who think ahead. Focus on high-impact purchases, stay under the cap, and use your daily limits efficiently. With a little planning, you’ll have all the best Fallout 76 items without burning out on grind.
