$Jay Z [Gold Refractor] #101 (Basketball Cards 2005 Finest) — is it worth grading?$

Is Jay Z [Gold Refractor] #101 worth grading?

Basketball · Basketball Cards 2005 Finest · full price guide →

Grading rarely pays for this card

Grade 9.5 copies of Jay Z [Gold Refractor] #101 sell for $1,375, only $0.00 above the $2,000 raw price — less than an economy-tier grading fee. A PSA 9 ($1,250) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.

Raw (NM): $2,000
Grade 9.5: $1,375
PSA 9: $1,250
Gem premium: 0.7×
As of: Sep 3, 2026

Break-even by outcome and fee

Jay Z [Gold Refractor] #101: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$1,375	−$650	−$675	−$775
PSA 9	$1,250	−$775	−$800	−$900
PSA 8	$1,136	−$889	−$914	−$1,014

Net = sale price − $2,000 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?

Jay Z [Gold Refractor] #101: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$1,281	−$769
50%	$1,313	−$738
75%	$1,344	−$706

At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.

Full grade ladder

Raw conditions & history →

Jay Z [Gold Refractor] #101 graded prices by company and grade
Grade	Graded
9.5	$1,375
9	$1,250
8	$1,136
7	$666

Run your own numbers

Should I pay this?

Asking priceGrading fee

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