Is Dan Marino [Refractor] #FM4 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Strong grading candidate — 9.4× premium in PSA 10
A PSA 10 Dan Marino [Refractor] #FM4 sells for $125 against $13.31 raw: a $112 spread, 9.4× the ungraded price. A PSA 9 ($30.32) 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)
- $13.31
- PSA 10
- $125
- PSA 9
- $30.32
- Gem premium
- 9.4×
- 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 | $125 | +$86.69 | +$61.69 | −$38.31 |
| PSA 9 | $30.32 | −$7.99 | −$32.99 | −$133 |
| PSA 8 | $19.35 | −$18.96 | −$43.96 | −$144 |
Net = sale price − $13.31 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% | $53.99 | −$9.32 |
| 50% | $77.66 | +$14.35 |
| 75% | $101 | +$38.02 |
Break-even gem rate at the standard fee: about 35%. 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 | $163 | best | 55/45 | 70/30 |
| PSA 10 | $125 | −$38.00 | 55/45 | 75/25 |
| CGC 10 | $75.00 | −$88.00 | 55/45 | 75/25 |
| SGC 10 | $75.00 | −$88.00 | 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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Should I pay this?
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 Dan Marino [Refractor] #FM4 — FAQ
Is Dan Marino [Refractor] #FM4 worth grading?
A PSA 10 Dan Marino [Refractor] #FM4 sells for $125 against $13.31 raw: a $112 spread, 9.4× the ungraded price. A PSA 9 ($30.32) 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 Dan Marino [Refractor] #FM4 worth compared with raw?
A PSA 10 Dan Marino [Refractor] #FM4 (Football Cards 2000 Topps Finest Moments) sells for about $125 versus $13.31 for a raw near-mint copy — a 9.4× premium as of Sep 4, 2026.
Which grading company is best for Dan Marino [Refractor] #FM4?
By resale value, BGS 10 leads at $163, ahead of PSA 10 at $125. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Dan Marino [Refractor] #FM4 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 Dan Marino [Refractor] #FM4 break even?
At a standard ~$50 fee, submitting Dan Marino [Refractor] #FM4 breaks even when it gems about 35% of the time (a miss assumed to sell at the PSA 9 price of $30.32).
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