![Michael Irvin [Refractor] #79 (Football Cards 1994 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/M58AAeSwe4RqVlAB/s-l1600.jpg)
Is Michael Irvin [Refractor] #79 worth grading?
Football · Football Cards 1994 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Michael Irvin [Refractor] #79 sells for $1,317 against $35.00 raw: a $1,282 spread, 38× the ungraded price. Even a PSA 9 ($156) 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)
- $35.00
- PSA 10
- $1,317
- PSA 9
- $156
- Gem premium
- 38×
- 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 | $1,317 | +$1,257 | +$1,232 | +$1,132 |
| PSA 9 | $156 | +$96.13 | +$71.13 | −$28.87 |
| PSA 8 | $69.00 | +$9.00 | −$16.00 | −$116 |
Net = sale price − $35.00 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% | $446 | +$361 |
| 50% | $737 | +$652 |
| 75% | $1,027 | +$942 |
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 | $1,712 | best | 55/45 | 70/30 |
| PSA 10 | $1,317 | −$395 | 55/45 | 75/25 |
| CGC 10 | $790 | −$922 | 55/45 | 75/25 |
| SGC 10 | $790 | −$922 | 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 | $1,317 | $790 | $1,712 | $790 | — |
| 9.5 | — | — | — | — | $369 |
| 9 | — | — | — | — | $156 |
| 8 | — | — | — | — | $69.00 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1994 Topps Finest cards worth checking
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![Joe Montana [Refractor] #172 1994 Topps Finest card](https://i.ebayimg.com/images/g/UeAAAeSwcddqNU2K/s-l500.jpg)
![Jerry Rice [Refractor] #12 1994 Topps Finest card](https://i.ebayimg.com/images/g/ZJ4AAeSwwHZqTtIc/s-l500.jpg)
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Grading Michael Irvin [Refractor] #79 — FAQ
Is Michael Irvin [Refractor] #79 worth grading?
A PSA 10 Michael Irvin [Refractor] #79 sells for $1,317 against $35.00 raw: a $1,282 spread, 38× the ungraded price. Even a PSA 9 ($156) 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 Michael Irvin [Refractor] #79 worth compared with raw?
A PSA 10 Michael Irvin [Refractor] #79 (Football Cards 1994 Topps Finest) sells for about $1,317 versus $35.00 for a raw near-mint copy — a 38× premium as of Jul 11, 2026.
Which grading company is best for Michael Irvin [Refractor] #79?
By resale value, BGS 10 leads at $1,712, ahead of PSA 10 at $1,317. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Michael Irvin [Refractor] #79 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.
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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