Is Curtis Martin [Refractor w/ Coating] #264 worth grading?
Football · Football Cards 1995 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Curtis Martin [Refractor w/ Coating] #264 sells for $112 against $58.47 raw: a $53.53 spread, 1.9× the ungraded price. Even a PSA 9 ($102) 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)
- $58.47
- Grade 9.5
- $112
- PSA 9
- $102
- Gem premium
- 1.9×
- As of
- Sep 4, 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 | $112 | +$28.53 | +$3.53 | −$96.47 |
| PSA 9 | $102 | +$18.47 | −$6.53 | −$107 |
Net = sale price − $58.47 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% | $104 | −$4.02 |
| 50% | $107 | −$1.50 |
| 75% | $109 | +$1.02 |
Break-even gem rate at the standard fee: about 65%. Centering is the usual reason a clean copy misses — measure it before you decide.
Full grade ladder
Raw conditions & history →Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1995 Topps Finest cards worth checking
Full set checklist →![Deion Sanders [w/ Coating] #100 1995 Topps Finest card](https://i.ebayimg.com/images/g/D6kAAeSwx7pqUPA2/s-l500.jpg)
![Joe Montana [Refractor] #90 1995 Topps Finest card](https://i.ebayimg.com/images/g/Ue4AAeSwGhhqKjID/s-l500.jpg)
![Marcus Allen [Refractor w/ Coating] #33 1995 Topps Finest card](https://i.ebayimg.com/images/g/qrUAAeSwPE9phft8/s-l500.jpg)
![Marshall Faulk [Refractor] #125 1995 Topps Finest card](https://i.ebayimg.com/images/g/0TEAAeSwXfxqUVlN/s-l500.jpg)
![Jerry Rice [Refractor] #180 1995 Topps Finest card](https://i.ebayimg.com/images/g/NhAAAeSw9hhp5VLW/s-l500.jpg)
![Barry Sanders [Refractor w/ Coating] #250 1995 Topps Finest card](https://i.ebayimg.com/images/g/FrgAAOSw9GJfESJx/s-l500.jpg)
Grading Curtis Martin [Refractor w/ Coating] #264 — FAQ
Is Curtis Martin [Refractor w/ Coating] #264 worth grading?
A Grade 9.5 Curtis Martin [Refractor w/ Coating] #264 sells for $112 against $58.47 raw: a $53.53 spread, 1.9× the ungraded price. Even a PSA 9 ($102) 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.
What gem rate makes grading Curtis Martin [Refractor w/ Coating] #264 break even?
At a standard ~$50 fee, submitting Curtis Martin [Refractor w/ Coating] #264 breaks even when it gems about 65% of the time (a miss assumed to sell at the PSA 9 price of $102).
Best on iPhone & Android
Check your football card in the Midpoint app
Scan with your camera to measure centering to the millimeter, get an AI grade with corner and edge close-ups, see what your copy is worth, and track it in your portfolio. Free to start.
