Is John Elway [Refractor] #FM3 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Strong grading candidate — 8.8× premium in PSA 10
A PSA 10 John Elway [Refractor] #FM3 sells for $68.99 against $7.88 raw: a $61.11 spread, 8.8× the ungraded price. A PSA 9 ($19.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $7.88
- PSA 10
- $68.99
- PSA 9
- $19.00
- Gem premium
- 8.8×
- 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 — PSA 10 | $68.99 | +$36.11 | +$11.11 | −$88.89 |
| PSA 9 | $19.00 | −$13.88 | −$38.88 | −$139 |
| PSA 8 | $16.74 | −$16.14 | −$41.14 | −$141 |
Net = sale price − $7.88 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% | $31.50 | −$26.38 |
| 50% | $43.99 | −$13.89 |
| 75% | $56.49 | −$1.39 |
Break-even gem rate at the standard fee: about 78%. 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 →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $90.00 | best | 55/45 | 70/30 |
| PSA 10 | $68.99 | −$21.01 | 55/45 | 75/25 |
| CGC 10 | $41.00 | −$49.00 | 55/45 | 75/25 |
| SGC 10 | $41.00 | −$49.00 | 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.
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Enter the seller’s asking price to see your net outcome per grade.
Other 2000 Topps Finest Moments cards worth checking
Full set checklist →![Andre Reed [Refractor Autograph] #FM15 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/jXIAAOSw4A9kvFCk/s-l500.jpg)
![Champ Bailey [Refractor Autograph] #FM23 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/hJQAAeSweQVqrLel/s-l500.jpg)
![Jason Elam [Refractor Autograph] #FM18 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/hcYAAeSwlYNqtuq9/s-l500.jpg)
![Bart Starr [Refractor Autograph] #FM1 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/VsAAAOSwpMNmzPmb/s-l500.jpg)
Grading John Elway [Refractor] #FM3 — FAQ
Is John Elway [Refractor] #FM3 worth grading?
A PSA 10 John Elway [Refractor] #FM3 sells for $68.99 against $7.88 raw: a $61.11 spread, 8.8× the ungraded price. A PSA 9 ($19.00) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 John Elway [Refractor] #FM3 worth compared with raw?
A PSA 10 John Elway [Refractor] #FM3 (Football Cards 2000 Topps Finest Moments) sells for about $68.99 versus $7.88 for a raw near-mint copy — a 8.8× premium as of Sep 4, 2026.
Which grading company is best for John Elway [Refractor] #FM3?
By resale value, BGS 10 leads at $90.00, ahead of PSA 10 at $68.99. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does John Elway [Refractor] #FM3 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 John Elway [Refractor] #FM3 break even?
At a standard ~$50 fee, submitting John Elway [Refractor] #FM3 breaks even when it gems about 78% of the time (a miss assumed to sell at the PSA 9 price of $19.00).
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