Is Joe Gardner [Black White Speckle Refractor] #195 worth grading?
Entertainment · 2024 Topps Chrome Disney · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Joe Gardner [Black White Speckle Refractor] #195 sells for $89.00 against $24.99 raw: a $64.01 spread, 3.6× the ungraded price. Even a PSA 9 ($73.97) 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)
- $24.99
- PSA 10
- $89.00
- PSA 9
- $73.97
- Gem premium
- 3.6×
- 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 | $89.00 | +$39.01 | +$14.01 | −$85.99 |
| PSA 9 | $73.97 | +$23.98 | −$1.02 | −$101 |
Net = sale price − $24.99 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% | $77.73 | +$2.74 |
| 50% | $81.48 | +$6.50 |
| 75% | $85.24 | +$10.25 |
Break-even gem rate at the standard fee: about 7%. 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 | $116 | best | 55/45 | 70/30 |
| PSA 10 | $89.00 | −$27.00 | 55/45 | 75/25 |
| CGC 10 | $53.00 | −$63.00 | 55/45 | 75/25 |
| SGC 10 | $53.00 | −$63.00 | 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.
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Grading Joe Gardner [Black White Speckle Refractor] #195 — FAQ
Is Joe Gardner [Black White Speckle Refractor] #195 worth grading?
A PSA 10 Joe Gardner [Black White Speckle Refractor] #195 sells for $89.00 against $24.99 raw: a $64.01 spread, 3.6× the ungraded price. Even a PSA 9 ($73.97) 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 Joe Gardner [Black White Speckle Refractor] #195 worth compared with raw?
A PSA 10 Joe Gardner [Black White Speckle Refractor] #195 (2024 Topps Chrome Disney) sells for about $89.00 versus $24.99 for a raw near-mint copy — a 3.6× premium as of Oct 11, 2026.
Which grading company is best for Joe Gardner [Black White Speckle Refractor] #195?
By resale value, BGS 10 leads at $116, ahead of PSA 10 at $89.00. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Joe Gardner [Black White Speckle Refractor] #195 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 Joe Gardner [Black White Speckle Refractor] #195 break even?
At a standard ~$50 fee, submitting Joe Gardner [Black White Speckle Refractor] #195 breaks even when it gems about 7% of the time (a miss assumed to sell at the PSA 9 price of $73.97).
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