![Ryan McNeil [Refractor] #197 (Football Cards 1994 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/VjYAAeSwnLRqrGuT/s-l1600.jpg)
Is Ryan McNeil [Refractor] #197 worth grading?
Football · Football Cards 1994 Topps Finest · full price guide →
Strong grading candidate — 33× premium in PSA 10
A PSA 10 Ryan McNeil [Refractor] #197 sells for $182 against $5.48 raw: a $177 spread, 33× the ungraded price. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $5.48
- PSA 10
- $182
- Gem premium
- 33×
- 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 | $182 | +$152 | +$127 | +$26.88 |
Net = sale price − $5.48 raw value − fee. Fee tiers are illustrative; plug your grader's current price into the calculator below.
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 | $237 | best | 55/45 | 70/30 |
| PSA 10 | $182 | −$54.64 | 55/45 | 75/25 |
| CGC 10 | $109 | −$128 | 55/45 | 75/25 |
| SGC 10 | $109 | −$128 | 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.
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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
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Grading Ryan McNeil [Refractor] #197 — FAQ
Is Ryan McNeil [Refractor] #197 worth grading?
A PSA 10 Ryan McNeil [Refractor] #197 sells for $182 against $5.48 raw: a $177 spread, 33× the ungraded price. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Ryan McNeil [Refractor] #197 worth compared with raw?
A PSA 10 Ryan McNeil [Refractor] #197 (Football Cards 1994 Topps Finest) sells for about $182 versus $5.48 for a raw near-mint copy — a 33× premium as of Sep 3, 2026.
Which grading company is best for Ryan McNeil [Refractor] #197?
By resale value, BGS 10 leads at $237, ahead of PSA 10 at $182. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Ryan McNeil [Refractor] #197 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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