![Justin Herbert [Autograph] #104 (Football Cards 2020 Panini Contenders Optic) — is it worth grading?](https://i.ebayimg.com/images/g/1L4AAeSwHjxqH1I6/s-l1600.jpg)
Is Justin Herbert [Autograph] #104 worth grading?
Football · Football Cards 2020 Panini Contenders Optic · full price guide →
Worth grading only if it gems
A PSA 10 Justin Herbert [Autograph] #104 brings $1,900 versus $1,062 raw — a $839 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($999) sells for less than raw, so anything short of a 10 loses money.
- Raw (NM)
- $1,062
- PSA 10
- $1,900
- PSA 9
- $999
- Gem premium
- 1.8×
- 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 | $1,900 | +$814 | +$789 | +$689 |
| PSA 9 | $999 | −$87.50 | −$113 | −$213 |
| PSA 8 | $639 | −$448 | −$473 | −$573 |
Net = sale price − $1,062 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% | $1,224 | +$113 |
| 50% | $1,450 | +$338 |
| 75% | $1,675 | +$563 |
Break-even gem rate at the standard fee: about 12%. 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 | $2,470 | best | 55/45 | 70/30 |
| PSA 10 | $1,900 | −$570 | 55/45 | 75/25 |
| CGC 10 | $1,140 | −$1,330 | 55/45 | 75/25 |
| SGC 10 | $1,140 | −$1,330 | 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 | $1,900 | $1,140 | $2,470 | $1,140 | — |
| 9.5 | — | — | — | — | $1,200 |
| 9 | — | — | — | — | $999 |
| 8 | — | — | — | — | $639 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2020 Panini Contenders Optic cards worth checking
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![Jalen Hurts [Autograph] #122 2020 Panini Contenders Optic card](https://i.ebayimg.com/images/g/No4AAeSwPXpp3m5h/s-l500.jpg)
![Jordan Love [Autograph Gold] #111 2020 Panini Contenders Optic card](https://i.ebayimg.com/images/g/WPoAAeSwtZBp6O9B/s-l500.jpg)
![Justin Herbert [Autograph Red] #104 2020 Panini Contenders Optic card](https://i.ebayimg.com/images/g/~w0AAeSwLvNoZX4W/s-l500.jpg)
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Grading Justin Herbert [Autograph] #104 — FAQ
Is Justin Herbert [Autograph] #104 worth grading?
A PSA 10 Justin Herbert [Autograph] #104 brings $1,900 versus $1,062 raw — a $839 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($999) sells for less than raw, so anything short of a 10 loses money.
How much is a PSA 10 Justin Herbert [Autograph] #104 worth compared with raw?
A PSA 10 Justin Herbert [Autograph] #104 (Football Cards 2020 Panini Contenders Optic) sells for about $1,900 versus $1,062 for a raw near-mint copy — a 1.8× premium as of Jul 11, 2026.
Which grading company is best for Justin Herbert [Autograph] #104?
By resale value, BGS 10 leads at $2,470, ahead of PSA 10 at $1,900. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Justin Herbert [Autograph] #104 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 Justin Herbert [Autograph] #104 break even?
At a standard ~$50 fee, submitting Justin Herbert [Autograph] #104 breaks even when it gems about 12% of the time (a miss assumed to sell at the PSA 9 price of $999).
Is your football 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.
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