Is Grant Hill [Refractor] #20 worth grading?
Basketball · Basketball Cards 2004 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Grant Hill [Refractor] #20 sells for $62.00 against $7.50 raw: a $54.50 spread, 8.3× the ungraded price. Even a PSA 9 ($52.00) 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)
- $7.50
- PSA 10
- $62.00
- PSA 9
- $52.00
- Gem premium
- 8.3×
- 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 | $62.00 | +$29.50 | +$4.50 | −$95.50 |
| PSA 9 | $52.00 | +$19.50 | −$5.50 | −$106 |
| PSA 8 | $46.99 | +$14.49 | −$10.51 | −$111 |
Net = sale price − $7.50 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% | $54.50 | −$3.00 |
| 50% | $57.00 | −$0.50 |
| 75% | $59.50 | +$2.00 |
Break-even gem rate at the standard fee: about 55%. 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 | $81.00 | best | 55/45 | 70/30 |
| PSA 10 | $62.00 | −$19.00 | 55/45 | 75/25 |
| CGC 10 | $37.00 | −$44.00 | 55/45 | 75/25 |
| SGC 10 | $37.00 | −$44.00 | 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.
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Other 2004 Finest cards worth checking
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Grading Grant Hill [Refractor] #20 — FAQ
Is Grant Hill [Refractor] #20 worth grading?
A PSA 10 Grant Hill [Refractor] #20 sells for $62.00 against $7.50 raw: a $54.50 spread, 8.3× the ungraded price. Even a PSA 9 ($52.00) 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 Grant Hill [Refractor] #20 worth compared with raw?
A PSA 10 Grant Hill [Refractor] #20 (Basketball Cards 2004 Finest) sells for about $62.00 versus $7.50 for a raw near-mint copy — a 8.3× premium as of Sep 4, 2026.
Which grading company is best for Grant Hill [Refractor] #20?
By resale value, BGS 10 leads at $81.00, ahead of PSA 10 at $62.00. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Grant Hill [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.
What gem rate makes grading Grant Hill [Refractor] #20 break even?
At a standard ~$50 fee, submitting Grant Hill [Refractor] #20 breaks even when it gems about 55% of the time (a miss assumed to sell at the PSA 9 price of $52.00).
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