![Harry Gray [Refractor] #103 (Soccer Cards 2026 Topps Chrome Premier League) — is it worth grading?](https://i.ebayimg.com/images/g/x2EAAeSwfgZqQdPa/s-l1600.jpg)
Is Harry Gray [Refractor] #103 worth grading?
Soccer · Soccer Cards 2026 Topps Chrome Premier League · full price guide →
Worth grading only if it gems
A PSA 10 Harry Gray [Refractor] #103 brings $41.07 versus $2.47 raw — a $38.60 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($13.86) only about breaks even after fees, so the case rests on gemming.
- Raw (NM)
- $2.47
- PSA 10
- $41.07
- PSA 9
- $13.86
- Gem premium
- 17×
- 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 | $41.07 | +$13.60 | −$11.40 | −$111 |
| PSA 9 | $13.86 | −$13.61 | −$38.61 | −$139 |
| PSA 8 | $7.22 | −$20.25 | −$45.25 | −$145 |
Net = sale price − $2.47 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% | $20.66 | −$31.81 |
| 50% | $27.46 | −$25.00 |
| 75% | $34.27 | −$18.20 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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 | $53.00 | best | 55/45 | 70/30 |
| PSA 10 | $41.07 | −$11.93 | 55/45 | 75/25 |
| CGC 10 | $25.00 | −$28.00 | 55/45 | 75/25 |
| SGC 10 | $25.00 | −$28.00 | 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 | $41.07 | $25.00 | $53.00 | $25.00 | — |
| 9.5 | — | — | — | — | $27.31 |
| 9 | — | — | — | — | $13.86 |
| 8 | — | — | — | — | $7.22 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2026 Topps Chrome Premier League cards worth checking
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Grading Harry Gray [Refractor] #103 — FAQ
Is Harry Gray [Refractor] #103 worth grading?
A PSA 10 Harry Gray [Refractor] #103 brings $41.07 versus $2.47 raw — a $38.60 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($13.86) only about breaks even after fees, so the case rests on gemming.
How much is a PSA 10 Harry Gray [Refractor] #103 worth compared with raw?
A PSA 10 Harry Gray [Refractor] #103 (Soccer Cards 2026 Topps Chrome Premier League) sells for about $41.07 versus $2.47 for a raw near-mint copy — a 17× premium as of Jul 11, 2026.
Which grading company is best for Harry Gray [Refractor] #103?
By resale value, BGS 10 leads at $53.00, ahead of PSA 10 at $41.07. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Harry Gray [Refractor] #103 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 soccer 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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