![Tom Brady [Gold Refractor] #40 (Football Cards 2010 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/BvAAAeSwK4VqGF0G/s-l1600.jpg)
Is Tom Brady [Gold Refractor] #40 worth grading?
Football · Football Cards 2010 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Tom Brady [Gold Refractor] #40 sells for $4,379 against $461 raw: a $3,918 spread, 9.5× the ungraded price. Even a PSA 9 ($3,650) 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)
- $461
- PSA 10
- $4,379
- PSA 9
- $3,650
- Gem premium
- 9.5×
- 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 | $4,379 | +$3,893 | +$3,868 | +$3,768 |
| PSA 9 | $3,650 | +$3,163 | +$3,138 | +$3,038 |
| PSA 8 | $737 | +$251 | +$226 | +$126 |
Net = sale price − $461 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% | $3,832 | +$3,321 |
| 50% | $4,014 | +$3,503 |
| 75% | $4,197 | +$3,685 |
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 | $5,693 | best | 55/45 | 70/30 |
| PSA 10 | $4,379 | −$1,314 | 55/45 | 75/25 |
| CGC 10 | $2,627 | −$3,066 | 55/45 | 75/25 |
| SGC 10 | $2,627 | −$3,066 | 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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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2010 Topps Finest cards worth checking
Full set checklist →![Larry Fitzgerald [Refractor] #90 2010 Topps Finest card](https://i.ebayimg.com/images/g/NsIAAeSwqLFpwDtO/s-l500.jpg)
![Tom Brady [Black Refractor] #40 2010 Topps Finest card](https://i.ebayimg.com/images/g/cl4AAeSwnCNqQAn5/s-l500.jpg)
Grading Tom Brady [Gold Refractor] #40 — FAQ
Is Tom Brady [Gold Refractor] #40 worth grading?
A PSA 10 Tom Brady [Gold Refractor] #40 sells for $4,379 against $461 raw: a $3,918 spread, 9.5× the ungraded price. Even a PSA 9 ($3,650) 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 Tom Brady [Gold Refractor] #40 worth compared with raw?
A PSA 10 Tom Brady [Gold Refractor] #40 (Football Cards 2010 Topps Finest) sells for about $4,379 versus $461 for a raw near-mint copy — a 9.5× premium as of Sep 4, 2026.
Which grading company is best for Tom Brady [Gold Refractor] #40?
By resale value, BGS 10 leads at $5,693, ahead of PSA 10 at $4,379. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tom Brady [Gold Refractor] #40 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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