![Philip Rivers [Refractor] #5 (Football Cards 2009 Bowman Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/QNoAAeSwzEZqLU0E/s-l1600.jpg)
Is Philip Rivers [Refractor] #5 worth grading?
Football · Football Cards 2009 Bowman Chrome · full price guide →
Strong grading candidate — 44× premium in PSA 10
A PSA 10 Philip Rivers [Refractor] #5 sells for $122 against $2.77 raw: a $119 spread, 44× the ungraded price. A PSA 9 ($6.00) 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)
- $2.77
- PSA 10
- $122
- PSA 9
- $6.00
- Gem premium
- 44×
- 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 | $122 | +$94.24 | +$69.24 | −$30.76 |
| PSA 9 | $6.00 | −$21.77 | −$46.77 | −$147 |
Net = sale price − $2.77 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% | $35.00 | −$17.77 |
| 50% | $64.00 | +$11.23 |
| 75% | $93.01 | +$40.24 |
Break-even gem rate at the standard fee: about 40%. 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 | $159 | best | 55/45 | 70/30 |
| PSA 10 | $122 | −$36.99 | 55/45 | 75/25 |
| SGC 10 | $88.87 | −$70.13 | 55/45 | 75/25 |
| CGC 10 | $73.00 | −$86.00 | 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.
Full grade ladder
Raw conditions & history →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $122 | $73.00 | $159 | $88.87 | — |
| 9.5 | — | — | — | — | $7.00 |
| 9 | — | — | — | — | $6.00 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2009 Bowman Chrome cards worth checking
Full set checklist →![Reggie Bush [Orange Refractor] #61 2009 Bowman Chrome card](https://i.ebayimg.com/images/g/WswAAOSwjARj6Fbz/s-l500.jpg)
![Aaron Rodgers [Gold Refractor] #6 2009 Bowman Chrome card](https://i.ebayimg.com/images/g/hpoAAOSwk5tmuRic/s-l500.jpg)
![Matthew Stafford [Xfractor] #111 2009 Bowman Chrome card](https://i.ebayimg.com/images/g/5ccAAeSwocVpZXQS/s-l500.jpg)
Grading Philip Rivers [Refractor] #5 — FAQ
Is Philip Rivers [Refractor] #5 worth grading?
A PSA 10 Philip Rivers [Refractor] #5 sells for $122 against $2.77 raw: a $119 spread, 44× the ungraded price. A PSA 9 ($6.00) 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 Philip Rivers [Refractor] #5 worth compared with raw?
A PSA 10 Philip Rivers [Refractor] #5 (Football Cards 2009 Bowman Chrome) sells for about $122 versus $2.77 for a raw near-mint copy — a 44× premium as of Jul 11, 2026.
Which grading company is best for Philip Rivers [Refractor] #5?
By resale value, BGS 10 leads at $159, ahead of PSA 10 at $122. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Philip Rivers [Refractor] #5 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 Philip Rivers [Refractor] #5 break even?
At a standard ~$50 fee, submitting Philip Rivers [Refractor] #5 breaks even when it gems about 40% of the time (a miss assumed to sell at the PSA 9 price of $6.00).
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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