Is Lightning McQueen [Refractor] #95 worth grading?
Entertainment · 2023 Topps Chrome Disney 100 · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Lightning McQueen [Refractor] #95 sells for $325 against $22.49 raw: a $303 spread, 14× the ungraded price. Even a PSA 9 ($55.00) 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)
- $22.49
- PSA 10
- $325
- PSA 9
- $55.00
- Gem premium
- 14×
- As of
- Aug 16, 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 | $325 | +$278 | +$253 | +$153 |
| PSA 9 | $55.00 | +$7.51 | −$17.49 | −$117 |
| PSA 8 | $22.99 | −$24.50 | −$49.50 | −$150 |
Net = sale price − $22.49 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% | $123 | +$50.01 |
| 50% | $190 | +$118 |
| 75% | $258 | +$185 |
Break-even gem rate at the standard fee: about 6%. Centering is the usual reason a clean copy misses — measure it before you decide.
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 | $423 | best | 55/45 | 70/30 |
| PSA 10 | $325 | −$98.00 | 55/45 | 75/25 |
| CGC 10 | $195 | −$228 | 55/45 | 75/25 |
| SGC 10 | $195 | −$228 | 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 | $325 | $195 | $423 | $195 | — |
| 9.5 | — | — | — | — | $61.00 |
| 9 | — | — | — | — | $55.00 |
| 8 | — | — | — | — | $22.99 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2023 Topps Chrome Disney 100 cards worth checking
Full set checklist →Grading Lightning McQueen [Refractor] #95 — FAQ
Is Lightning McQueen [Refractor] #95 worth grading?
A PSA 10 Lightning McQueen [Refractor] #95 sells for $325 against $22.49 raw: a $303 spread, 14× the ungraded price. Even a PSA 9 ($55.00) 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.
How much is a PSA 10 Lightning McQueen [Refractor] #95 worth compared with raw?
A PSA 10 Lightning McQueen [Refractor] #95 (2023 Topps Chrome Disney 100) sells for about $325 versus $22.49 for a raw near-mint copy — a 14× premium as of Aug 16, 2026.
Which grading company is best for Lightning McQueen [Refractor] #95?
By resale value, BGS 10 leads at $423, ahead of PSA 10 at $325. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Lightning McQueen [Refractor] #95 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.
What gem rate makes grading Lightning McQueen [Refractor] #95 break even?
At a standard ~$50 fee, submitting Lightning McQueen [Refractor] #95 breaks even when it gems about 6% of the time (a miss assumed to sell at the PSA 9 price of $55.00).
Is your entertainment 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.
Check my card free