![Ray Allen [Gold Refractor] #20 (Basketball Cards 2008 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/5GgAAOSwuFJfCiQX/s-l1600.jpg)
Is Ray Allen [Gold Refractor] #20 worth grading?
Basketball · Basketball Cards 2008 Topps Chrome · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Ray Allen [Gold Refractor] #20 sells for $1,526 against $62.00 raw: a $1,464 spread, 25× the ungraded price. Even a PSA 9 ($1,140) 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)
- $62.00
- PSA 10
- $1,526
- PSA 9
- $1,140
- Gem premium
- 25×
- 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 | $1,526 | +$1,439 | +$1,414 | +$1,314 |
| PSA 9 | $1,140 | +$1,053 | +$1,028 | +$928 |
Net = sale price − $62.00 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% | $1,237 | +$1,125 |
| 50% | $1,333 | +$1,221 |
| 75% | $1,430 | +$1,318 |
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 | $1,984 | best | 55/45 | 70/30 |
| PSA 10 | $1,526 | −$458 | 55/45 | 75/25 |
| CGC 10 | $916 | −$1,068 | 55/45 | 75/25 |
| SGC 10 | $916 | −$1,068 | 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 | $1,526 | $916 | $1,984 | $916 | — |
| 9.5 | — | — | — | — | $1,254 |
| 9 | — | — | — | — | $1,140 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2008 Topps Chrome cards worth checking
Full set checklist →![LeBron James [Gold Refractor] #23 2008 Topps Chrome card](https://i.ebayimg.com/images/g/WooAAeSwizZqUE9N/s-l500.jpg)
![Kobe Bryant [Refractor] #24 2008 Topps Chrome card](https://i.ebayimg.com/images/g/7zcAAeSwMJ5qTJhU/s-l500.jpg)
![LeBron James [Xfractor] #23 2008 Topps Chrome card](https://i.ebayimg.com/images/g/bU4AAOSwpupgSYij/s-l500.jpg)
![Kobe Bryant [Orange Refractor] #24 2008 Topps Chrome card](https://i.ebayimg.com/images/g/fkIAAeSwfPlqKNHX/s-l500.jpg)
![LeBron James [Orange Refractor] #23 2008 Topps Chrome card](https://i.ebayimg.com/images/g/lLsAAeSwHNFqDZha/s-l500.jpg)
![Kobe Bryant [Xfractor] #24 2008 Topps Chrome card](https://i.ebayimg.com/images/g/2nQAAOSw5adm~sBG/s-l500.jpg)
Grading Ray Allen [Gold Refractor] #20 — FAQ
Is Ray Allen [Gold Refractor] #20 worth grading?
A PSA 10 Ray Allen [Gold Refractor] #20 sells for $1,526 against $62.00 raw: a $1,464 spread, 25× the ungraded price. Even a PSA 9 ($1,140) 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 Ray Allen [Gold Refractor] #20 worth compared with raw?
A PSA 10 Ray Allen [Gold Refractor] #20 (Basketball Cards 2008 Topps Chrome) sells for about $1,526 versus $62.00 for a raw near-mint copy — a 25× premium as of Jul 11, 2026.
Which grading company is best for Ray Allen [Gold Refractor] #20?
By resale value, BGS 10 leads at $1,984, ahead of PSA 10 at $1,526. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Ray Allen [Gold Refractor] #20 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.
Is your basketball 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.
Check my card free