![Joe Montana [Refractor] #90 (Football Cards 1995 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/Ue4AAeSwGhhqKjID/s-l1600.jpg)
Is Joe Montana [Refractor] #90 worth grading?
Football · Football Cards 1995 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Joe Montana [Refractor] #90 sells for $100 against $5.00 raw: a $95.00 spread, 20× the ungraded price. Even a PSA 9 ($90.88) 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)
- $5.00
- Grade 9.5
- $100
- PSA 9
- $90.88
- 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 — Grade 9.5 | $100 | +$70.00 | +$45.00 | −$55.00 |
| PSA 9 | $90.88 | +$60.88 | +$35.88 | −$64.12 |
| PSA 8 | $59.00 | +$29.00 | +$4.00 | −$96.00 |
Net = sale price − $5.00 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% | $93.16 | +$38.16 |
| 50% | $95.44 | +$40.44 |
| 75% | $97.72 | +$42.72 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $100 |
| 9 | $90.88 |
| 8 | $59.00 |
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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![Jerry Rice [Refractor] #180 1995 Topps Finest card](https://i.ebayimg.com/images/g/NhAAAeSw9hhp5VLW/s-l500.jpg)
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Grading Joe Montana [Refractor] #90 — FAQ
Is Joe Montana [Refractor] #90 worth grading?
A Grade 9.5 Joe Montana [Refractor] #90 sells for $100 against $5.00 raw: a $95.00 spread, 20× the ungraded price. Even a PSA 9 ($90.88) 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.
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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