Is John Elway [Refractor Autograph] #FM3 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Worth grading only if it gems
A Grade 9.5 John Elway [Refractor Autograph] #FM3 brings $327 versus $208 raw — a $119 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($207) sells for less than raw, so anything short of a 10 loses money.
- Raw (NM)
- $208
- Grade 9.5
- $327
- PSA 9
- $207
- Gem premium
- 1.6×
- 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 | $327 | +$93.82 | +$68.82 | −$31.18 |
| PSA 9 | $207 | −$25.71 | −$50.71 | −$151 |
Net = sale price − $208 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% | $237 | −$20.83 |
| 50% | $267 | +$9.06 |
| 75% | $297 | +$38.94 |
Break-even gem rate at the standard fee: about 42%. Centering is the usual reason a clean copy misses — measure it before you decide.
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Raw conditions & history →Run your own numbers
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 →![Bart Starr [Refractor Autograph] #FM1 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/VsAAAOSwpMNmzPmb/s-l500.jpg)
Grading John Elway [Refractor Autograph] #FM3 — FAQ
Is John Elway [Refractor Autograph] #FM3 worth grading?
A Grade 9.5 John Elway [Refractor Autograph] #FM3 brings $327 versus $208 raw — a $119 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($207) sells for less than raw, so anything short of a 10 loses money.
What gem rate makes grading John Elway [Refractor Autograph] #FM3 break even?
At a standard ~$50 fee, submitting John Elway [Refractor Autograph] #FM3 breaks even when it gems about 42% of the time (a miss assumed to sell at the PSA 9 price of $207).
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