Is Happy [Black White Speckle Refractor] #13 worth grading?
Entertainment · 2024 Topps Chrome Disney · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Happy [Black White Speckle Refractor] #13 sells for $132 against $4.13 raw: a $128 spread, 32× the ungraded price. Even a PSA 9 ($110) 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)
- $4.13
- PSA 10
- $132
- PSA 9
- $110
- Gem premium
- 32×
- 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 | $132 | +$103 | +$77.87 | −$22.13 |
| PSA 9 | $110 | +$80.87 | +$55.87 | −$44.13 |
Net = sale price − $4.13 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% | $116 | +$61.37 |
| 50% | $121 | +$66.87 |
| 75% | $127 | +$72.37 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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 | $172 | best | 55/45 | 70/30 |
| PSA 10 | $132 | −$40.00 | 55/45 | 75/25 |
| SGC 10 | $100 | −$72.00 | 55/45 | 75/25 |
| CGC 10 | $79.00 | −$93.00 | 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 | $132 | $79.00 | $172 | $100 | — |
| 9.5 | — | — | — | — | $121 |
| 9 | — | — | — | — | $110 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2024 Topps Chrome Disney cards worth checking
Full set checklist →Grading Happy [Black White Speckle Refractor] #13 — FAQ
Is Happy [Black White Speckle Refractor] #13 worth grading?
A PSA 10 Happy [Black White Speckle Refractor] #13 sells for $132 against $4.13 raw: a $128 spread, 32× the ungraded price. Even a PSA 9 ($110) 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 Happy [Black White Speckle Refractor] #13 worth compared with raw?
A PSA 10 Happy [Black White Speckle Refractor] #13 (2024 Topps Chrome Disney) sells for about $132 versus $4.13 for a raw near-mint copy — a 32× premium as of Aug 16, 2026.
Which grading company is best for Happy [Black White Speckle Refractor] #13?
By resale value, BGS 10 leads at $172, ahead of PSA 10 at $132. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Happy [Black White Speckle Refractor] #13 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 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.
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