![Joe Montana [Special Effects] #520 Football Cards 1994 Topps trading card — raw and PSA graded price guide](https://i.ebayimg.com/images/g/qg8AAeSw0-1qNHVu/s-l1600.jpg)
Joe Montana [Special Effects] #520 Price Guide
Football · Football Cards 1994 Topps · Released 1994
Joe Montana [Special Effects] #520 (Football Cards 1994 Topps) is currently worth $3.37 raw (near mint) and $143 in PSA 10 (as of Sep 4, 2026). Values come from the PriceCharting price guide and are refreshed weekly. Grading is the single biggest value lever — check the raw-to-PSA-10 gap below, then scan your copy to see if its centering makes the grade.
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Current prices
Raw (ungraded)
| Ungraded | $3.37 |
Graded — grade ladder
Swipe the table for the other grading companies →
Last updated 2026-09-04 · Source: the PriceCharting price guide
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Is it worth grading?
Worth grading — even a PSA 9 beats raw
A PSA 10 Joe Montana [Special Effects] #520 sells for $143 against $3.37 raw: a $140 spread, 42× the ungraded price. Even a PSA 9 ($47.04) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
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Joe Montana [Special Effects] #520 — frequently asked
How much is Joe Montana [Special Effects] #520 (Football Cards 1994 Topps) worth?
As of Sep 4, 2026, Joe Montana [Special Effects] #520 (Football Cards 1994 Topps): an ungraded near-mint copy sells for about $3.37, a PSA 10 sells for about $143, a PSA 9 for about $47.04. Values come from the PriceCharting price guide and are refreshed weekly.
How much is a PSA 10 Joe Montana [Special Effects] #520 worth?
As of Sep 4, 2026, a PSA 10 (Gem Mint) Joe Montana [Special Effects] #520 (Football Cards 1994 Topps) sells for about $143, compared with $3.37 for a raw near-mint copy.
Is Joe Montana [Special Effects] #520 worth grading?
A PSA 10 Joe Montana [Special Effects] #520 sells for $143 against $3.37 raw: a $140 spread, 42× the ungraded price. Even a PSA 9 ($47.04) clears the raw price after an economy-tier ~$25 fee, so a near-miss still comes out ahead. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
Is Joe Montana [Special Effects] #520 going up or down in value?
Joe Montana [Special Effects] #520 (Football Cards 1994 Topps) is up 0% over the last 30 days (PSA 10 market). Short-term moves on individual cards are noisy — check the price history above for the trend.
Where do these Football card prices come from?
Prices are the PriceCharting price guide, refreshed weekly. Raw values reflect near-mint (NM) ungraded copies; graded values are per grading company and grade.