![Joe Montana [49ers Team Leaders] #148 (Football Cards 1985 Topps) — is it worth grading?](https://i.ebayimg.com/images/g/R6gAAOSwxjhioqiZ/s-l1600.jpg)
Is Joe Montana [49ers Team Leaders] #148 worth grading?
Football · Football Cards 1985 Topps · full price guide →
Strong grading candidate — 82× premium in PSA 10
A PSA 10 Joe Montana [49ers Team Leaders] #148 sells for $149 against $1.82 raw: a $147 spread, 82× the ungraded price. A PSA 9 ($22.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $1.82
- PSA 10
- $149
- PSA 9
- $22.00
- Gem premium
- 82×
- As of
- Jul 11, 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 | $149 | +$122 | +$96.68 | −$3.32 |
| PSA 9 | $22.00 | −$4.82 | −$29.82 | −$130 |
| PSA 8 | $20.24 | −$6.58 | −$31.58 | −$132 |
Net = sale price − $1.82 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% | $53.63 | +$1.80 |
| 50% | $85.25 | +$33.43 |
| 75% | $117 | +$65.06 |
Break-even gem rate at the standard fee: about 24%. 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 | $193 | best | 55/45 | 70/30 |
| PSA 10 | $149 | −$44.50 | 55/45 | 75/25 |
| CGC 10 | $89.00 | −$104 | 55/45 | 75/25 |
| SGC 10 | $89.00 | −$104 | 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 →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $149 | $89.00 | $193 | $89.00 | — |
| 9.5 | — | — | — | — | $99.99 |
| 9 | — | — | — | — | $22.00 |
| 8 | — | — | — | — | $20.24 |
| 7 | — | — | — | — | $10.25 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
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Grading Joe Montana [49ers Team Leaders] #148 — FAQ
Is Joe Montana [49ers Team Leaders] #148 worth grading?
A PSA 10 Joe Montana [49ers Team Leaders] #148 sells for $149 against $1.82 raw: a $147 spread, 82× the ungraded price. A PSA 9 ($22.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Joe Montana [49ers Team Leaders] #148 worth compared with raw?
A PSA 10 Joe Montana [49ers Team Leaders] #148 (Football Cards 1985 Topps) sells for about $149 versus $1.82 for a raw near-mint copy — a 82× premium as of Jul 11, 2026.
Which grading company is best for Joe Montana [49ers Team Leaders] #148?
By resale value, BGS 10 leads at $193, ahead of PSA 10 at $149. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Joe Montana [49ers Team Leaders] #148 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 Joe Montana [49ers Team Leaders] #148 break even?
At a standard ~$50 fee, submitting Joe Montana [49ers Team Leaders] #148 breaks even when it gems about 24% of the time (a miss assumed to sell at the PSA 9 price of $22.00).
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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