$Jerry Rice [Refractor] #12 (Football Cards 1994 Topps Finest) — is it worth grading?$

Is Jerry Rice [Refractor] #12 worth grading?

Football · Football Cards 1994 Topps Finest · full price guide →

Worth grading — even a PSA 9 beats raw

A PSA 10 Jerry Rice [Refractor] #12 sells for $3,205 against $255 raw: a $2,950 spread, 13× the ungraded price. Even a PSA 9 ($620) 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): $255
PSA 10: $3,205
PSA 9: $620
Gem premium: 13×
As of: Sep 4, 2026

Break-even by outcome and fee

Jerry Rice [Refractor] #12: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — PSA 10	$3,205	+$2,925	+$2,900	+$2,800
PSA 9	$620	+$340	+$315	+$215
PSA 8	$362	+$81.72	+$56.72	−$43.28

Net = sale price − $255 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?

Jerry Rice [Refractor] #12: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$1,267	+$962
50%	$1,913	+$1,608
75%	$2,559	+$2,254

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 →

Jerry Rice [Refractor] #12: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$4,167	best	55/45	70/30
PSA 10	$3,205	−$962	55/45	75/25
CGC 10	$1,923	−$2,244	55/45	75/25
SGC 10	$1,923	−$2,244	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 →

Jerry Rice [Refractor] #12 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$3,205	$1,923	$4,167	$1,923	—
9.5	—	—	—	—	$1,325
9	—	—	—	—	$620
8	—	—	—	—	$362
7	—	—	—	—	$129

Swipe the table for the other grading companies →

Run your own numbers

Should I pay this?

Asking priceGrading fee

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Other 1994 Topps Finest cards worth checking

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$John Elway [Refractor] #119 1994 Topps Finest card$

John Elway [Refractor] #119

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Grading Jerry Rice [Refractor] #12 — FAQ

Is Jerry Rice [Refractor] #12 worth grading?

How much is a PSA 10 Jerry Rice [Refractor] #12 worth compared with raw?

A PSA 10 Jerry Rice [Refractor] #12 (Football Cards 1994 Topps Finest) sells for about $3,205 versus $255 for a raw near-mint copy — a 13× premium as of Sep 4, 2026.

Which grading company is best for Jerry Rice [Refractor] #12?

By resale value, BGS 10 leads at $4,167, ahead of PSA 10 at $3,205. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Jerry Rice [Refractor] #12 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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