$Steve Young [Refractor] #45 (Football Cards 1997 Topps Chrome) — is it worth grading?$

Is Steve Young [Refractor] #45 worth grading?

Football · Football Cards 1997 Topps Chrome · full price guide →

Worth grading — even a PSA 9 beats raw

A PSA 10 Steve Young [Refractor] #45 sells for $1,289 against $37.07 raw: a $1,252 spread, 35× the ungraded price. Even a PSA 9 ($85.00) 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): $37.07
PSA 10: $1,289
PSA 9: $85.00
Gem premium: 35×
As of: Sep 4, 2026

Break-even by outcome and fee

Steve Young [Refractor] #45: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — PSA 10	$1,289	+$1,227	+$1,202	+$1,102
PSA 9	$85.00	+$22.93	−$2.07	−$102
PSA 8	$65.16	+$3.09	−$21.91	−$122

Net = sale price − $37.07 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?

Steve Young [Refractor] #45: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$386	+$299
50%	$687	+$600
75%	$988	+$901

Break-even gem rate at the standard fee: about 0%. 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 →

Steve Young [Refractor] #45: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$1,676	best	55/45	70/30
PSA 10	$1,289	−$387	55/45	75/25
CGC 10	$773	−$903	55/45	75/25
SGC 10	$773	−$903	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.

Full grade ladder

Raw conditions & history →

Steve Young [Refractor] #45 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$1,289	$773	$1,676	$773	—
9.5	—	—	—	—	$281
9	—	—	—	—	$85.00
8	—	—	—	—	$65.16

Swipe the table for the other grading companies →

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

Other 1997 Topps Chrome cards worth checking

Full set checklist →

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Orlando Pace [Refractor] #153

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$Brett Favre [Refractor] #1 1997 Topps Chrome card$

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$Warrick Dunn [Refractor] #68 1997 Topps Chrome card$

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$Dan Marino [Refractor] #129 1997 Topps Chrome card$

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Grading Steve Young [Refractor] #45 — FAQ

Is Steve Young [Refractor] #45 worth grading?

How much is a PSA 10 Steve Young [Refractor] #45 worth compared with raw?

A PSA 10 Steve Young [Refractor] #45 (Football Cards 1997 Topps Chrome) sells for about $1,289 versus $37.07 for a raw near-mint copy — a 35× premium as of Sep 4, 2026.

Which grading company is best for Steve Young [Refractor] #45?

By resale value, BGS 10 leads at $1,676, ahead of PSA 10 at $1,289. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Steve Young [Refractor] #45 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 Steve Young [Refractor] #45 break even?

At a standard ~$50 fee, submitting Steve Young [Refractor] #45 breaks even when it gems about 0% of the time (a miss assumed to sell at the PSA 9 price of $85.00).

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