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 $114 against $58.47 raw: a $55.53 spread, 1.9× the ungraded price. Even a PSA 9 ($104) 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
- $114
- PSA 9
- $104
- Gem premium
- 1.9×
- 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 | $114 | +$30.53 | +$5.53 | −$94.47 |
| PSA 9 | $104 | +$20.46 | −$4.54 | −$105 |
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% | $106 | −$2.02 |
| 50% | $109 | +$0.50 |
| 75% | $111 | +$3.01 |
Break-even gem rate at the standard fee: about 45%. Centering is the usual reason a clean copy misses — measure it before you decide.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $114 |
| 9 | $104 |
| 7 | $36.99 |
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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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 $114 against $58.47 raw: a $55.53 spread, 1.9× the ungraded price. Even a PSA 9 ($104) 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 45% of the time (a miss assumed to sell at the PSA 9 price of $104).
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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