![Fernando Mendoza [Blue Mini-Diamond Refractor] #109 (Football Cards 2025 Bowman Chrome University) — is it worth grading?](https://i.ebayimg.com/images/g/bb0AAeSwZeRp910J/s-l1600.jpg)
Is Fernando Mendoza [Blue Mini-Diamond Refractor] #109 worth grading?
Football · Football Cards 2025 Bowman Chrome University · full price guide →
Worth grading only if it gems
A PSA 10 Fernando Mendoza [Blue Mini-Diamond Refractor] #109 brings $405 versus $174 raw — a $231 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($175) only about breaks even after fees, so the case rests on gemming.
- Raw (NM)
- $174
- PSA 10
- $405
- PSA 9
- $175
- Gem premium
- 2.3×
- As of
- Sep 4, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — PSA 10 | $405 | +$206 | +$181 | +$81.13 |
| PSA 9 | $175 | −$23.87 | −$48.87 | −$149 |
| PSA 8 | $159 | −$40.22 | −$65.22 | −$165 |
Net = sale price − $174 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
Expected value — how often does it need to gem?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $233 | +$8.63 |
| 50% | $290 | +$66.13 |
| 75% | $348 | +$124 |
Break-even gem rate at the standard fee: about 21%. Centering is the usual reason a clean copy misses — measure it before you decide.
Which grader pays the most — and what a 10 takes
All centering standards →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $527 | best | 55/45 | 70/30 |
| PSA 10 | $405 | −$122 | 55/45 | 75/25 |
| CGC 10 | $243 | −$284 | 55/45 | 75/25 |
| SGC 10 | $243 | −$284 | 55/45 | 75/25 |
Tolerances are each company's published centering standard for its top grade; surface, corners and edges must also be clean. Centering is the one you can measure yourself before you pay.
Full grade ladder
Raw conditions & history →Swipe the table for the other grading companies →
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2025 Bowman Chrome University cards worth checking
Full set checklist →![Fernando Mendoza [Gold Shimmer Refractor] #109 2025 Bowman Chrome University card](https://i.ebayimg.com/images/g/8j0AAeSwvW9qh8vG/s-l500.jpg)
![Fernando Mendoza [Gold Sapphire] #109 2025 Bowman Chrome University card](https://i.ebayimg.com/images/g/r2cAAeSwuJJqJG~v/s-l500.jpg)
![Fernando Mendoza [Purple Refractor] #109 2025 Bowman Chrome University card](https://i.ebayimg.com/images/g/kr8AAeSwgE5p6Xhe/s-l500.jpg)
![Fernando Mendoza [Green Shimmer Refractor] #109 2025 Bowman Chrome University card](https://i.ebayimg.com/images/g/n1AAAeSwXyxqkOQR/s-l500.jpg)
Grading Fernando Mendoza [Blue Mini-Diamond Refractor] #109 — FAQ
Is Fernando Mendoza [Blue Mini-Diamond Refractor] #109 worth grading?
A PSA 10 Fernando Mendoza [Blue Mini-Diamond Refractor] #109 brings $405 versus $174 raw — a $231 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($175) only about breaks even after fees, so the case rests on gemming.
How much is a PSA 10 Fernando Mendoza [Blue Mini-Diamond Refractor] #109 worth compared with raw?
A PSA 10 Fernando Mendoza [Blue Mini-Diamond Refractor] #109 (Football Cards 2025 Bowman Chrome University) sells for about $405 versus $174 for a raw near-mint copy — a 2.3× premium as of Sep 4, 2026.
Which grading company is best for Fernando Mendoza [Blue Mini-Diamond Refractor] #109?
By resale value, BGS 10 leads at $527, ahead of PSA 10 at $405. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Fernando Mendoza [Blue Mini-Diamond Refractor] #109 need for a BGS 10?
BGS publishes 55/45 front and 70/30 back centering as the tolerance for a 10 (Gem Mint). Off-center copies are capped below the top grade regardless of surface — measure yours before paying the fee.
What gem rate makes grading Fernando Mendoza [Blue Mini-Diamond Refractor] #109 break even?
At a standard ~$50 fee, submitting Fernando Mendoza [Blue Mini-Diamond Refractor] #109 breaks even when it gems about 21% of the time (a miss assumed to sell at the PSA 9 price of $175).
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.