![Jim Kelly [Refractor] #240 (Football Cards 1996 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/3pAAAeSw~DhqRqY0/s-l1600.jpg)
Is Jim Kelly [Refractor] #240 worth grading?
Football · Football Cards 1996 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Jim Kelly [Refractor] #240 sells for $72.00 against $25.00 raw: a $47.00 spread, 2.9× the ungraded price. Even a PSA 9 ($65.65) 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)
- $25.00
- Grade 9.5
- $72.00
- PSA 9
- $65.65
- Gem premium
- 2.9×
- As of
- Sep 4, 2026
Break-even by outcome and fee
| If it comes back… | Sells for | Economy / bulk (~$25.00) | Standard (~$50.00) | Express (~$150) |
|---|---|---|---|---|
| Gem — Grade 9.5 | $72.00 | +$22.00 | −$3.00 | −$103 |
| PSA 9 | $65.65 | +$15.65 | −$9.35 | −$109 |
Net = sale price − $25.00 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% | $67.24 | −$7.76 |
| 50% | $68.83 | −$6.17 |
| 75% | $70.41 | −$4.59 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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Grading Jim Kelly [Refractor] #240 — FAQ
Is Jim Kelly [Refractor] #240 worth grading?
A Grade 9.5 Jim Kelly [Refractor] #240 sells for $72.00 against $25.00 raw: a $47.00 spread, 2.9× the ungraded price. Even a PSA 9 ($65.65) 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.
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