![Penny [Black White Speckle Refractor] #38 (2024 Topps Chrome Disney) — is it worth grading?](https://i.ebayimg.com/images/g/IEQAAeSw0d5qT4fO/s-l1600.jpg)
Is Penny [Black White Speckle Refractor] #38 worth grading?
Entertainment · 2024 Topps Chrome Disney · full price guide →
Strong grading candidate — 5.0× premium in PSA 10
A PSA 10 Penny [Black White Speckle Refractor] #38 sells for $150 against $30.00 raw: a $120 spread, 5.0× the ungraded price. A PSA 9 ($51.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $30.00
- PSA 10
- $150
- PSA 9
- $51.00
- Gem premium
- 5.0×
- As of
- Oct 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 | $150 | +$94.99 | +$69.99 | −$30.01 |
| PSA 9 | $51.00 | −$4.00 | −$29.00 | −$129 |
Net = sale price − $30.00 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% | $75.75 | −$4.25 |
| 50% | $100 | +$20.50 |
| 75% | $125 | +$45.24 |
Break-even gem rate at the standard fee: about 29%. 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 | $195 | best | 55/45 | 70/30 |
| PSA 10 | $150 | −$45.01 | 55/45 | 75/25 |
| CGC 10 | $90.00 | −$105 | 55/45 | 75/25 |
| SGC 10 | $90.00 | −$105 | 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.
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Raw conditions & history →Swipe the table for the other grading companies →
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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
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Grading Penny [Black White Speckle Refractor] #38 — FAQ
Is Penny [Black White Speckle Refractor] #38 worth grading?
A PSA 10 Penny [Black White Speckle Refractor] #38 sells for $150 against $30.00 raw: a $120 spread, 5.0× the ungraded price. A PSA 9 ($51.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Penny [Black White Speckle Refractor] #38 worth compared with raw?
A PSA 10 Penny [Black White Speckle Refractor] #38 (2024 Topps Chrome Disney) sells for about $150 versus $30.00 for a raw near-mint copy — a 5.0× premium as of Oct 11, 2026.
Which grading company is best for Penny [Black White Speckle Refractor] #38?
By resale value, BGS 10 leads at $195, ahead of PSA 10 at $150. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Penny [Black White Speckle Refractor] #38 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 Penny [Black White Speckle Refractor] #38 break even?
At a standard ~$50 fee, submitting Penny [Black White Speckle Refractor] #38 breaks even when it gems about 29% of the time (a miss assumed to sell at the PSA 9 price of $51.00).
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