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Terry Kirby [Refractor] #285 Football Cards 1996 Topps Finest trading card — raw and PSA graded price guide

Terry Kirby [Refractor] #285 Price Guide

Football · Football Cards 1996 Topps Finest · Released 1996

Terry Kirby [Refractor] #285 (Football Cards 1996 Topps Finest) is currently worth $12.49 raw (near mint) (as of Jul 11, 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.

Current prices

Raw (ungraded)

Ungraded$12.49

Graded — grade ladder

Terry Kirby [Refractor] #285 graded prices by company and grade
GradeGraded
9.5$20.00
9$18.06

Last updated 2026-07-11 · Source: the PriceCharting price guide

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Is it worth grading?

Grading rarely pays for this card

Grade 9.5 copies of Terry Kirby [Refractor] #285 sell for $20.00, only $7.51 above the $12.49 raw price — less than an economy-tier grading fee. A PSA 9 ($18.06) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

Full grading break-even for Terry Kirby [Refractor] #285: fee tiers, best grader, gem-rate math →

Should I pay this?

Enter the seller’s asking price to see your net outcome per grade.

More from 1996 Topps Finest

Full set checklist →
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Brian Dawkins #344
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Emmitt Smith [Refractor] #265 1996 Topps Finest card
Emmitt Smith [Refractor] #265
Raw $35.50Graded $218
Derrick Thomas [Refractor] #242 1996 Topps Finest card
Derrick Thomas [Refractor] #242
Raw $27.50Graded $199
Terrell Owens [Refractor w/Coating] #338 1996 Topps Finest card
Terrell Owens [Refractor w/Coating] #338
Raw $59.99Graded $198
Cris Carter [Refractor] #312 1996 Topps Finest card
Cris Carter [Refractor] #312
Raw $3.91PSA 10 $169
Jonathan Ogden [Refractor] #308 1996 Topps Finest card
Jonathan Ogden [Refractor] #308
Raw $17.18Graded $165

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All Terry Kirby cards →
Terry Kirby [One of a Kind] #300
1997 Stadium Club
Raw $12.00

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Terry Kirby [Refractor] #285 — frequently asked

How much is Terry Kirby [Refractor] #285 (Football Cards 1996 Topps Finest) worth?

As of Jul 11, 2026, Terry Kirby [Refractor] #285 (Football Cards 1996 Topps Finest): an ungraded near-mint copy sells for about $12.49, a Grade 9.5 sells for about $20.00, a PSA 9 for about $18.06. Values come from the PriceCharting price guide and are refreshed weekly.

Is Terry Kirby [Refractor] #285 worth grading?

Grade 9.5 copies of Terry Kirby [Refractor] #285 sell for $20.00, only $7.51 above the $12.49 raw price — less than an economy-tier grading fee. A PSA 9 ($18.06) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

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.

Is your football card centered well enough to grade?

Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.

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