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Key Takeaways
- Silver dollars require larger, properly sized holders (38mm for most U.S. silver dollars).
- Non-PVC and airtight holders are essential to prevent tarnish and damage.
- Using proper holders helps preserve condition, value, and historical significance.
- Improper storage can quickly ruin the look and value of silver coins.
About Coin Collecting & Choosing the Right Holder
Coin collecting has long centered around silver dollars, from classic Morgan and Peace dollars to modern American Eagles. Their history and silver content make them highly sought-after. Choosing the right holder is key:
- Size: Most U.S. silver dollars fit into 38mm holders—selecting the exact size ensures no shifting inside the case.
- Material: Holders must be non-PVC and acid-free to prevent chemical reactions with silver.
- Type: Airtight capsules are the best choice for high-value silver dollars, while 2x2 holders and flips may be fine for casual storage.

Benefits of Using Coin Holders vs. Not Using Any Coin Holders
With Coin Holders:
- Prevent tarnish and oxidation caused by air exposure
- Protect surfaces from scratches and handling damage
- Keep coins secure and organized
- Maintain long-term collector and investment value
Without Coin Holders:
- Faster tarnishing and spotting on silver
- Scratches and edge dings from handling
- Decreased resale and historical value
- Risk of coins being lost, mixed up, or damaged in storage
Step-by-Step Guide: Putting Silver Dollars into Holders Safely
Because silver dollars are larger and softer than smaller base-metal coins, handling them carefully is essential. Follow these steps to secure them without risking scratches or tarnish:
- Prepare your workspace – Work on a clean, padded surface with no dust or grit. A soft microfiber cloth or tray liner helps prevent accidental scratches if a coin slips.
- Wash your hands or use gloves – Always start with freshly washed, dry hands, or better yet, cotton or nitrile gloves. Even tiny traces of oil or sweat can leave marks on silver.
- Select the correct holder – Use a 38mm non-PVC, airtight holder for most U.S. silver dollars. If working with American Silver Eagles (40.6mm), choose a slightly larger capsule specifically designed for them.
- Handle by the edges only – Grip the coin gently on the rim with two fingers; never touch the faces. This prevents smudges, spotting, and loss of luster.
- Check the holder before inserting – Ensure it’s completely clean and free of fibers or debris. Dust inside a capsule can leave hairline scratches.
- Insert the silver dollar gently – Place it flat into the holder without dragging or sliding it across the plastic.
- Seal firmly but carefully – Press the capsule until you hear or feel the “snap.” With 2x2 cardboard flips, staple along the edges but away from the coin.
- Store in a stable environment – Keep holders upright in coin storage boxes, albums, or tubes. For added protection, use silica gel packs to absorb moisture.
By treating every step with care, you ensure your silver dollars retain both their condition and investment value.
Mistakes to Avoid When Storing Silver Dollars
Many collectors unintentionally damage their coins by overlooking small details. Here’s what not to do:
- Handling coins with bare fingers – Finger oils etch into silver permanently, leaving dark, blotchy spots.
- Using PVC flips or low-grade plastics – These break down over time and release chemicals that corrode silver. Always stick to non-PVC, archival-safe materials.
- Cleaning silver coins – Polishing removes original surfaces and lowers collector value. Even “gentle” cleaners can cause micro-scratches.
- Choosing the wrong holder size – Oversized holders let coins slide and rattle, creating rim damage. Too-tight holders can press and scratch edges.
- Improper storage conditions – Basements, attics, and humid rooms accelerate tarnish and spotting. Always store in a climate-controlled area.
- Over-stapling 2x2 flips – Staples too close to the coin can scratch the surface, and poorly flattened staples can damage neighboring holders.
- Stacking capsules loosely – Piling capsules in a box without dividers can cause rubbing or cracking. Use fitted boxes or tubes for safe storage.
Compare U.S. Dollar Coin Holders


38mm
39mm
40.6mm
Frequently Asked Questions about Silver Dollars
What size coin holder fits silver dollars?
Most U.S. silver dollars, including Morgan and Peace dollars, fit best in 38mm holders. Older U.S. silver dollars could fit in 39mm and 40mm holders. Make sure to measure your coin for the best fit.
Check out our United States Coin Size Guide to learn more.
Do silver dollars tarnish even in holders?
High-quality airtight holders significantly slow tarnishing by limiting air and moisture exposure, but all silver will naturally tone over time.
Are airtight capsules better than flips for silver dollars?
Yes. Airtight capsules provide the best long-term protection, while flips are only recommended for temporary storage.
Should I clean my silver dollars before storing them?
No. Cleaning can scratch or damage coins and greatly reduces collector value. Store them as-is in proper holders.
What’s the best way to store multiple silver dollars?
Place them in airtight holders, then organize them in coin storage boxes, albums, or tubes designed for 38mm capsules.