Is Germane Crowell [Refractor Autograph] #FM21 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Germane Crowell [Refractor Autograph] #FM21 sells for $180 against $7.76 raw: a $172 spread, 23× the ungraded price. Even a PSA 9 ($37.46) 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)
- $7.76
- PSA 10
- $180
- PSA 9
- $37.46
- Gem premium
- 23×
- 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 | $180 | +$147 | +$122 | +$21.95 |
| PSA 9 | $37.46 | +$4.70 | −$20.30 | −$120 |
| PSA 8 | $19.18 | −$13.58 | −$38.58 | −$139 |
Net = sale price − $7.76 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% | $73.02 | +$15.26 |
| 50% | $109 | +$50.83 |
| 75% | $144 | +$86.39 |
Break-even gem rate at the standard fee: about 14%. 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 | $234 | best | 55/45 | 70/30 |
| PSA 10 | $180 | −$54.29 | 55/45 | 75/25 |
| CGC 10 | $108 | −$126 | 55/45 | 75/25 |
| SGC 10 | $108 | −$126 | 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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Other 2000 Topps Finest Moments cards worth checking
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Grading Germane Crowell [Refractor Autograph] #FM21 — FAQ
Is Germane Crowell [Refractor Autograph] #FM21 worth grading?
A PSA 10 Germane Crowell [Refractor Autograph] #FM21 sells for $180 against $7.76 raw: a $172 spread, 23× the ungraded price. Even a PSA 9 ($37.46) 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.
How much is a PSA 10 Germane Crowell [Refractor Autograph] #FM21 worth compared with raw?
A PSA 10 Germane Crowell [Refractor Autograph] #FM21 (Football Cards 2000 Topps Finest Moments) sells for about $180 versus $7.76 for a raw near-mint copy — a 23× premium as of Sep 4, 2026.
Which grading company is best for Germane Crowell [Refractor Autograph] #FM21?
By resale value, BGS 10 leads at $234, ahead of PSA 10 at $180. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Germane Crowell [Refractor Autograph] #FM21 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 Germane Crowell [Refractor Autograph] #FM21 break even?
At a standard ~$50 fee, submitting Germane Crowell [Refractor Autograph] #FM21 breaks even when it gems about 14% of the time (a miss assumed to sell at the PSA 9 price of $37.46).
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