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Is Jason Terry [Refractor] #104 worth grading?

Basketball · Basketball Cards 2002 Topps Chrome · full price guide →

Grading rarely pays for this card

Grade 9.5 copies of Jason Terry [Refractor] #104 sell for $10.00, only $3.98 above the $6.02 raw price — less than an economy-tier grading fee. A PSA 9 ($8.75) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

Raw (NM)
$6.02
Grade 9.5
$10.00
PSA 9
$8.75
Gem premium
1.7×
As of
Sep 3, 2026

Break-even by outcome and fee

Jason Terry [Refractor] #104: net result of grading versus selling raw, by outcome and fee tier
If it comes back…Sells forEconomy / bulk (~$25.00)Standard (~$50.00)Express (~$150)
Gem — Grade 9.5$10.00−$21.02−$46.02−$146
PSA 9$8.75−$22.27−$47.27−$147

Net = sale price − $6.02 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?

Jason Terry [Refractor] #104: expected value of submitting by gem probability
Chance it gemsExpected saleExpected net (standard fee)
25%$9.06−$46.96
50%$9.38−$46.64
75%$9.69−$46.33

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

Jason Terry [Refractor] #104 graded prices by company and grade
GradeGraded
9.5$10.00
9$8.75

Run your own numbers

Should I pay this?

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Grading Jason Terry [Refractor] #104 — FAQ

Is Jason Terry [Refractor] #104 worth grading?

Grade 9.5 copies of Jason Terry [Refractor] #104 sell for $10.00, only $3.98 above the $6.02 raw price — less than an economy-tier grading fee. A PSA 9 ($8.75) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.

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