Is Julius Peppers [Refractor] #TC38 worth grading?

Football · Football Cards 2007 Topps Chrome · full price guide →

Worth grading only if it gems

A Grade 9.5 Julius Peppers [Refractor] #TC38 brings $28.00 versus $2.46 raw — a $25.54 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($25.55) only about breaks even after fees, so the case rests on gemming.

Raw (NM): $2.46
Grade 9.5: $28.00
PSA 9: $25.55
Gem premium: 11×
As of: Sep 4, 2026

Break-even by outcome and fee

Julius Peppers [Refractor] #TC38: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$28.00	+$0.54	−$24.46	−$124
PSA 9	$25.55	−$1.91	−$26.91	−$127
PSA 8	$4.62	−$22.84	−$47.84	−$148

Net = sale price − $2.46 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?

Julius Peppers [Refractor] #TC38: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$26.16	−$26.30
50%	$26.77	−$25.69
75%	$27.39	−$25.07

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Julius Peppers [Refractor] #TC38 graded prices by company and grade
Grade	Graded
9.5	$28.00
9	$25.55
8	$4.62

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

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