![John Elway [Refractor] #119 (Football Cards 1994 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/S5MAAOSwiH1fdUUS/s-l1600.jpg)
Is John Elway [Refractor] #119 worth grading?
Football · Football Cards 1994 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 John Elway [Refractor] #119 sells for $2,915 against $149 raw: a $2,766 spread, 20× the ungraded price. Even a PSA 9 ($255) 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)
- $149
- PSA 10
- $2,915
- PSA 9
- $255
- Gem premium
- 20×
- 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 | $2,915 | +$2,741 | +$2,716 | +$2,616 |
| PSA 9 | $255 | +$80.81 | +$55.81 | −$44.19 |
| PSA 8 | $209 | +$35.08 | +$10.08 | −$89.92 |
Net = sale price − $149 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% | $920 | +$721 |
| 50% | $1,585 | +$1,386 |
| 75% | $2,250 | +$2,051 |
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 | $3,790 | best | 55/45 | 70/30 |
| PSA 10 | $2,915 | −$875 | 55/45 | 75/25 |
| CGC 10 | $1,749 | −$2,041 | 55/45 | 75/25 |
| SGC 10 | $1,749 | −$2,041 | 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 | $2,915 | $1,749 | $3,790 | $1,749 | — |
| 9.5 | — | — | — | — | $280 |
| 9 | — | — | — | — | $255 |
| 8 | — | — | — | — | $209 |
| 7 | — | — | — | — | $3.92 |
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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Grading John Elway [Refractor] #119 — FAQ
Is John Elway [Refractor] #119 worth grading?
A PSA 10 John Elway [Refractor] #119 sells for $2,915 against $149 raw: a $2,766 spread, 20× the ungraded price. Even a PSA 9 ($255) 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 John Elway [Refractor] #119 worth compared with raw?
A PSA 10 John Elway [Refractor] #119 (Football Cards 1994 Topps Finest) sells for about $2,915 versus $149 for a raw near-mint copy — a 20× premium as of Jul 11, 2026.
Which grading company is best for John Elway [Refractor] #119?
By resale value, BGS 10 leads at $3,790, ahead of PSA 10 at $2,915. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does John Elway [Refractor] #119 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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