Thomas Smith [Refractor w/ Coating] #31 Price Guide
Football · Football Cards 1997 Topps Finest
Thomas Smith [Refractor w/ Coating] #31 (Football Cards 1997 Topps Finest) is currently worth $2.99 raw (near mint) and $22.49 in PSA 10 (as of Sep 3, 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 | $2.99 |
Graded — grade ladder
Swipe the table for the other grading companies →
Last updated 2026-09-03 · Source: the PriceCharting price guide
Shop this card on eBay ↗As an eBay Partner, Midpoint may earn commission from qualifying purchases.
Is it worth grading?
Grading rarely pays for this card
PSA 10 copies of Thomas Smith [Refractor w/ Coating] #31 sell for $22.49, only $19.50 above the $2.99 raw price — less than an economy-tier grading fee. Keep it raw unless you are grading for the slab itself.
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
More from 1997 Topps Finest
Full set checklist →![Deion Sanders [Refractor] #90 1997 Topps Finest card](https://i.ebayimg.com/images/g/3PMAAeSwm5Bp~sLN/s-l500.jpg)
More Thomas Smith cards
All Thomas Smith cards →
Best on iPhone & Android
Check your football card in the Midpoint app
Scan with your camera to measure centering to the millimeter, get an AI grade with corner and edge close-ups, see what your copy is worth, and track it in your portfolio. Free to start.
Price alert
Watching this card? Set a line and Midpoint tells you the day the market crosses it — waiting to buy the dip or sell the spike.
Thomas Smith [Refractor w/ Coating] #31 — frequently asked
How much is Thomas Smith [Refractor w/ Coating] #31 (Football Cards 1997 Topps Finest) worth?
As of Sep 3, 2026, Thomas Smith [Refractor w/ Coating] #31 (Football Cards 1997 Topps Finest): an ungraded near-mint copy sells for about $2.99, a PSA 10 sells for about $22.49. Values come from the PriceCharting price guide and are refreshed weekly.
How much is a PSA 10 Thomas Smith [Refractor w/ Coating] #31 worth?
As of Sep 3, 2026, a PSA 10 (Gem Mint) Thomas Smith [Refractor w/ Coating] #31 (Football Cards 1997 Topps Finest) sells for about $22.49, compared with $2.99 for a raw near-mint copy.
Is Thomas Smith [Refractor w/ Coating] #31 worth grading?
PSA 10 copies of Thomas Smith [Refractor w/ Coating] #31 sell for $22.49, only $19.50 above the $2.99 raw price — less than an economy-tier grading fee. 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.