![Terrell Owens [Refractor w/Coating] #338 (Football Cards 1996 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/CR8AAOSwlCpncy6N/s-l1600.jpg)
Is Terrell Owens [Refractor w/Coating] #338 worth grading?
Football · Football Cards 1996 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Terrell Owens [Refractor w/Coating] #338 sells for $197 against $63.10 raw: a $134 spread, 3.1× the ungraded price. Even a PSA 9 ($179) 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)
- $63.10
- Grade 9.5
- $197
- PSA 9
- $179
- Gem premium
- 3.1×
- 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 | $197 | +$109 | +$83.90 | −$16.10 |
| PSA 9 | $179 | +$90.81 | +$65.81 | −$34.19 |
| PSA 8 | $85.00 | −$3.10 | −$28.10 | −$128 |
Net = sale price − $63.10 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% | $183 | +$70.33 |
| 50% | $188 | +$74.85 |
| 75% | $192 | +$79.38 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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Grading Terrell Owens [Refractor w/Coating] #338 — FAQ
Is Terrell Owens [Refractor w/Coating] #338 worth grading?
A Grade 9.5 Terrell Owens [Refractor w/Coating] #338 sells for $197 against $63.10 raw: a $134 spread, 3.1× the ungraded price. Even a PSA 9 ($179) 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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