Is Bruce Matthews [Refractor Autograph] #FM22 worth grading?
Football · Football Cards 2000 Topps Finest Moments · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Bruce Matthews [Refractor Autograph] #FM22 sells for $120 against $18.36 raw: a $102 spread, 6.5× the ungraded price. Even a PSA 9 ($74.70) 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)
- $18.36
- PSA 10
- $120
- PSA 9
- $74.70
- Gem premium
- 6.5×
- 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 | $120 | +$76.64 | +$51.64 | −$48.36 |
| PSA 9 | $74.70 | +$31.34 | +$6.34 | −$93.66 |
| PSA 8 | $13.50 | −$29.86 | −$54.86 | −$155 |
Net = sale price − $18.36 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% | $86.03 | +$17.67 |
| 50% | $97.35 | +$28.99 |
| 75% | $109 | +$40.31 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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 | $156 | best | 55/45 | 70/30 |
| PSA 10 | $120 | −$36.00 | 55/45 | 75/25 |
| CGC 10 | $72.00 | −$84.00 | 55/45 | 75/25 |
| SGC 10 | $72.00 | −$84.00 | 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
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Grading Bruce Matthews [Refractor Autograph] #FM22 — FAQ
Is Bruce Matthews [Refractor Autograph] #FM22 worth grading?
A PSA 10 Bruce Matthews [Refractor Autograph] #FM22 sells for $120 against $18.36 raw: a $102 spread, 6.5× the ungraded price. Even a PSA 9 ($74.70) 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 Bruce Matthews [Refractor Autograph] #FM22 worth compared with raw?
A PSA 10 Bruce Matthews [Refractor Autograph] #FM22 (Football Cards 2000 Topps Finest Moments) sells for about $120 versus $18.36 for a raw near-mint copy — a 6.5× premium as of Sep 4, 2026.
Which grading company is best for Bruce Matthews [Refractor Autograph] #FM22?
By resale value, BGS 10 leads at $156, ahead of PSA 10 at $120. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Bruce Matthews [Refractor Autograph] #FM22 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.
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