![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 $77.00 against $24.51 raw: a $52.49 spread, 3.1× the ungraded price. Even a PSA 9 ($69.83) 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)
- $24.51
- Grade 9.5
- $77.00
- PSA 9
- $69.83
- Gem premium
- 3.1×
- As of
- Jul 11, 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 | $77.00 | +$27.49 | +$2.49 | −$97.51 |
| PSA 9 | $69.83 | +$20.32 | −$4.68 | −$105 |
Net = sale price − $24.51 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% | $71.62 | −$2.89 |
| 50% | $73.41 | −$1.10 |
| 75% | $75.21 | +$0.70 |
Break-even gem rate at the standard fee: about 65%. Centering is the usual reason a clean copy misses — measure it before you decide.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $77.00 |
| 9 | $69.83 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1996 Topps Finest cards worth checking
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![Brian Dawkins [Refractor] #344 1996 Topps Finest card](https://i.ebayimg.com/images/g/OgUAAeSwzEZqL~zM/s-l500.jpg)
![Mike Alstott [Refractor] #335 1996 Topps Finest card](https://i.ebayimg.com/images/g/o6sAAeSw8s9pclhu/s-l500.jpg)
![Emmitt Smith [Refractor] #265 1996 Topps Finest card](https://i.ebayimg.com/images/g/SFwAAeSwT-tplJaW/s-l500.jpg)
![Derrick Thomas [Refractor] #242 1996 Topps Finest card](https://i.ebayimg.com/images/g/xI0AAeSwfVVpjhLC/s-l500.jpg)
Grading Jim Kelly [Refractor] #240 — FAQ
Is Jim Kelly [Refractor] #240 worth grading?
A Grade 9.5 Jim Kelly [Refractor] #240 sells for $77.00 against $24.51 raw: a $52.49 spread, 3.1× the ungraded price. Even a PSA 9 ($69.83) 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.
What gem rate makes grading Jim Kelly [Refractor] #240 break even?
At a standard ~$50 fee, submitting Jim Kelly [Refractor] #240 breaks even when it gems about 65% of the time (a miss assumed to sell at the PSA 9 price of $69.83).
Is your football 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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