![Ray Lewis [Refractor] #TC95 (Football Cards 2007 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/P5wAAeSwupxqTDnV/s-l1600.jpg)
Is Ray Lewis [Refractor] #TC95 worth grading?
Football · Football Cards 2007 Topps Chrome · full price guide →
Strong grading candidate — 33× premium in PSA 10
A PSA 10 Ray Lewis [Refractor] #TC95 sells for $150 against $4.50 raw: a $146 spread, 33× the ungraded price. A PSA 9 ($22.50) 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)
- $4.50
- PSA 10
- $150
- PSA 9
- $22.50
- 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 | $150 | +$121 | +$95.50 | −$4.50 |
| PSA 9 | $22.50 | −$7.00 | −$32.00 | −$132 |
| PSA 8 | $10.29 | −$19.21 | −$44.21 | −$144 |
Net = sale price − $4.50 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% | $54.38 | −$0.13 |
| 50% | $86.25 | +$31.75 |
| 75% | $118 | +$63.63 |
Break-even gem rate at the standard fee: about 25%. 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 | $195 | best | 55/45 | 70/30 |
| PSA 10 | $150 | −$45.00 | 55/45 | 75/25 |
| CGC 10 | $90.00 | −$105 | 55/45 | 75/25 |
| SGC 10 | $90.00 | −$105 | 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 | $150 | $90.00 | $195 | $90.00 | — |
| 9.5 | — | — | — | — | $31.65 |
| 9 | — | — | — | — | $22.50 |
| 8 | — | — | — | — | $10.29 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2007 Topps Chrome cards worth checking
Full set checklist →![Tom Brady [Xfractor] #TC6 2007 Topps Chrome card](https://i.ebayimg.com/images/g/gKwAAOSw-mVhHVW-/s-l500.jpg)
![Tom Brady [Blue Refractor] #TC6 2007 Topps Chrome card](https://i.ebayimg.com/images/g/QJkAAeSwtZFqOWDW/s-l500.jpg)
![Tom Brady [Refractor] #TC6 2007 Topps Chrome card](https://i.ebayimg.com/images/g/uz4AAeSwARRqUw3f/s-l500.jpg)
![Calvin Johnson [Refractor] #TC200 2007 Topps Chrome card](https://i.ebayimg.com/images/g/OmQAAeSwmbxqST~I/s-l500.jpg)
![Calvin Johnson [Xfractor] #TC200 2007 Topps Chrome card](https://i.ebayimg.com/images/g/llQAAeSwIo5qSwpG/s-l500.jpg)
![Calvin Johnson [White Refractor] #TC200 2007 Topps Chrome card](https://i.ebayimg.com/images/g/7pYAAeSw~7lqFcNb/s-l500.jpg)
Grading Ray Lewis [Refractor] #TC95 — FAQ
Is Ray Lewis [Refractor] #TC95 worth grading?
A PSA 10 Ray Lewis [Refractor] #TC95 sells for $150 against $4.50 raw: a $146 spread, 33× the ungraded price. A PSA 9 ($22.50) 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 Ray Lewis [Refractor] #TC95 worth compared with raw?
A PSA 10 Ray Lewis [Refractor] #TC95 (Football Cards 2007 Topps Chrome) sells for about $150 versus $4.50 for a raw near-mint copy — a 33× premium as of Jul 11, 2026.
Which grading company is best for Ray Lewis [Refractor] #TC95?
By resale value, BGS 10 leads at $195, ahead of PSA 10 at $150. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Ray Lewis [Refractor] #TC95 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 Ray Lewis [Refractor] #TC95 break even?
At a standard ~$50 fee, submitting Ray Lewis [Refractor] #TC95 breaks even when it gems about 25% of the time (a miss assumed to sell at the PSA 9 price of $22.50).
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.
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