![Michael Vick [Refractor] #28 (Football Cards 2006 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/MNIAAeSwZB9qWQUg/s-l1600.jpg)
Is Michael Vick [Refractor] #28 worth grading?
Football · Football Cards 2006 Topps Chrome · full price guide →
Strong grading candidate — 33× premium in PSA 10
A PSA 10 Michael Vick [Refractor] #28 sells for $112 against $3.42 raw: a $109 spread, 33× the ungraded price. A PSA 9 ($21.87) 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)
- $3.42
- PSA 10
- $112
- PSA 9
- $21.87
- Gem premium
- 33×
- As of
- Jul 11, 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 | $112 | +$83.51 | +$58.51 | −$41.49 |
| PSA 9 | $21.87 | −$6.55 | −$31.55 | −$132 |
| PSA 8 | $11.55 | −$16.87 | −$41.87 | −$142 |
Net = sale price − $3.42 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% | $44.39 | −$9.03 |
| 50% | $66.90 | +$13.48 |
| 75% | $89.42 | +$36.00 |
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 | $146 | best | 55/45 | 70/30 |
| PSA 10 | $112 | −$34.07 | 55/45 | 75/25 |
| CGC 10 | $67.00 | −$79.00 | 55/45 | 75/25 |
| SGC 10 | $33.33 | −$113 | 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.
Full grade ladder
Raw conditions & history →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $112 | $67.00 | $146 | $33.33 | — |
| 9.5 | — | — | — | — | $35.16 |
| 9 | — | — | — | — | $21.87 |
| 8 | — | — | — | — | $11.55 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2006 Topps Chrome cards worth checking
Full set checklist →
![Ed Reed [Refractor] #111 2006 Topps Chrome card](https://i.ebayimg.com/images/g/IjoAAeSwBLNqQ0Hq/s-l500.jpg)
![Tom Brady [Refractor] #106 2006 Topps Chrome card](https://i.ebayimg.com/images/g/iRsAAeSwGqVqPCYP/s-l500.jpg)
![Peyton Manning [Refractor] #8 2006 Topps Chrome card](https://i.ebayimg.com/images/g/kFgAAeSwuY1qQwCo/s-l500.jpg)
![Reggie Bush [Autograph] #221 2006 Topps Chrome card](https://i.ebayimg.com/images/g/onAAAeSwkxNqDNhf/s-l500.jpg)
Grading Michael Vick [Refractor] #28 — FAQ
Is Michael Vick [Refractor] #28 worth grading?
A PSA 10 Michael Vick [Refractor] #28 sells for $112 against $3.42 raw: a $109 spread, 33× the ungraded price. A PSA 9 ($21.87) 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 Michael Vick [Refractor] #28 worth compared with raw?
A PSA 10 Michael Vick [Refractor] #28 (Football Cards 2006 Topps Chrome) sells for about $112 versus $3.42 for a raw near-mint copy — a 33× premium as of Jul 11, 2026.
Which grading company is best for Michael Vick [Refractor] #28?
By resale value, BGS 10 leads at $146, ahead of PSA 10 at $112. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Michael Vick [Refractor] #28 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 Michael Vick [Refractor] #28 break even?
At a standard ~$50 fee, submitting Michael Vick [Refractor] #28 breaks even when it gems about 35% of the time (a miss assumed to sell at the PSA 9 price of $21.87).
Is your football card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
Check my card free