![Fernando Mendoza [Gold Shimmer Refractor] #109 (Football Cards 2025 Bowman Chrome University) — is it worth grading?](https://i.ebayimg.com/images/g/8j0AAeSwvW9qh8vG/s-l1600.jpg)
Is Fernando Mendoza [Gold Shimmer Refractor] #109 worth grading?
Football · Football Cards 2025 Bowman Chrome University · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Fernando Mendoza [Gold Shimmer Refractor] #109 sells for $934 against $185 raw: a $749 spread, 5.0× the ungraded price. Even a PSA 9 ($478) 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.
- Raw (NM)
- $185
- PSA 10
- $934
- PSA 9
- $478
- Gem premium
- 5.0×
- As of
- Sep 3, 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 | $934 | +$724 | +$699 | +$599 |
| PSA 9 | $478 | +$268 | +$243 | +$143 |
| PSA 8 | $224 | +$13.50 | −$11.50 | −$112 |
Net = sale price − $185 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% | $592 | +$357 |
| 50% | $706 | +$471 |
| 75% | $820 | +$585 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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 | $1,214 | best | 55/45 | 70/30 |
| PSA 10 | $934 | −$280 | 55/45 | 75/25 |
| CGC 10 | $560 | −$654 | 55/45 | 75/25 |
| SGC 10 | $560 | −$654 | 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
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Grading Fernando Mendoza [Gold Shimmer Refractor] #109 — FAQ
Is Fernando Mendoza [Gold Shimmer Refractor] #109 worth grading?
A PSA 10 Fernando Mendoza [Gold Shimmer Refractor] #109 sells for $934 against $185 raw: a $749 spread, 5.0× the ungraded price. Even a PSA 9 ($478) 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.
How much is a PSA 10 Fernando Mendoza [Gold Shimmer Refractor] #109 worth compared with raw?
A PSA 10 Fernando Mendoza [Gold Shimmer Refractor] #109 (Football Cards 2025 Bowman Chrome University) sells for about $934 versus $185 for a raw near-mint copy — a 5.0× premium as of Sep 3, 2026.
Which grading company is best for Fernando Mendoza [Gold Shimmer Refractor] #109?
By resale value, BGS 10 leads at $1,214, ahead of PSA 10 at $934. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Fernando Mendoza [Gold Shimmer 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.
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