Is Jimmy Garoppolo [Autograph Refractor] #3 worth grading?
Football · Football Cards 2014 Topps Chrome 1985 · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Jimmy Garoppolo [Autograph Refractor] #3 sells for $220 against $124 raw: a $95.90 spread, 1.8× the ungraded price. Even a PSA 9 ($200) 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)
- $124
- Grade 9.5
- $220
- PSA 9
- $200
- Gem premium
- 1.8×
- 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 — Grade 9.5 | $220 | +$70.90 | +$45.90 | −$54.10 |
| PSA 9 | $200 | +$50.90 | +$25.90 | −$74.10 |
Net = sale price − $124 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% | $205 | +$30.90 |
| 50% | $210 | +$35.90 |
| 75% | $215 | +$40.90 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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Other 2014 Topps Chrome 1985 cards worth checking
Full set checklist →Grading Jimmy Garoppolo [Autograph Refractor] #3 — FAQ
Is Jimmy Garoppolo [Autograph Refractor] #3 worth grading?
A Grade 9.5 Jimmy Garoppolo [Autograph Refractor] #3 sells for $220 against $124 raw: a $95.90 spread, 1.8× the ungraded price. Even a PSA 9 ($200) 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.
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