Is Kurt Warner [Refractor Autograph] #FM12 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Worth grading only if it gems
A PSA 10 Kurt Warner [Refractor Autograph] #FM12 brings $281 versus $166 raw — a $115 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($148) sells for less than raw, so anything short of a 10 loses money.
- Raw (NM)
- $166
- PSA 10
- $281
- PSA 9
- $148
- Gem premium
- 1.7×
- 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 | $281 | +$89.99 | +$64.99 | −$35.01 |
| PSA 9 | $148 | −$42.53 | −$67.53 | −$168 |
| PSA 8 | $124 | −$67.51 | −$92.51 | −$193 |
Net = sale price − $166 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% | $182 | −$34.40 |
| 50% | $215 | −$1.27 |
| 75% | $248 | +$31.86 |
Break-even gem rate at the standard fee: about 51%. 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 | $365 | best | 55/45 | 70/30 |
| PSA 10 | $281 | −$84.00 | 55/45 | 75/25 |
| CGC 10 | $169 | −$196 | 55/45 | 75/25 |
| SGC 10 | $169 | −$196 | 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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Raw conditions & history →Swipe the table for the other grading companies →
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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 →![Bart Starr [Refractor Autograph] #FM1 2000 Topps Finest Moments card](https://i.ebayimg.com/images/g/VsAAAOSwpMNmzPmb/s-l500.jpg)
Grading Kurt Warner [Refractor Autograph] #FM12 — FAQ
Is Kurt Warner [Refractor Autograph] #FM12 worth grading?
A PSA 10 Kurt Warner [Refractor Autograph] #FM12 brings $281 versus $166 raw — a $115 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($148) sells for less than raw, so anything short of a 10 loses money.
How much is a PSA 10 Kurt Warner [Refractor Autograph] #FM12 worth compared with raw?
A PSA 10 Kurt Warner [Refractor Autograph] #FM12 (Football Cards 2000 Topps Finest Moments) sells for about $281 versus $166 for a raw near-mint copy — a 1.7× premium as of Sep 4, 2026.
Which grading company is best for Kurt Warner [Refractor Autograph] #FM12?
By resale value, BGS 10 leads at $365, ahead of PSA 10 at $281. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Kurt Warner [Refractor Autograph] #FM12 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 Kurt Warner [Refractor Autograph] #FM12 break even?
At a standard ~$50 fee, submitting Kurt Warner [Refractor Autograph] #FM12 breaks even when it gems about 51% of the time (a miss assumed to sell at the PSA 9 price of $148).
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