Is Joey Galloway [Refractor] #96 worth grading?

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

Worth grading — even a PSA 9 beats raw

A Grade 9.5 Joey Galloway [Refractor] #96 sells for $46.00 against $3.33 raw: a $42.67 spread, 14× the ungraded price. Even a PSA 9 ($41.88) 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): $3.33
Grade 9.5: $46.00
PSA 9: $41.88
Gem premium: 14×
As of: Sep 4, 2026

Break-even by outcome and fee

Joey Galloway [Refractor] #96: 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 — Grade 9.5	$46.00	+$17.67	−$7.33	−$107
PSA 9	$41.88	+$13.55	−$11.45	−$111

Net = sale price − $3.33 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?

Joey Galloway [Refractor] #96: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$42.91	−$10.42
50%	$43.94	−$9.39
75%	$44.97	−$8.36

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Joey Galloway [Refractor] #96 graded prices by company and grade
Grade	Graded
9.5	$46.00
9	$41.88

Run your own numbers

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