![Steve Finley [Refractor] #38 (Baseball Cards 1996 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/W4UAAeSwWkBqb7eT/s-l1600.jpg)
Is Steve Finley [Refractor] #38 worth grading?
Baseball · Baseball Cards 1996 Topps Chrome · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Steve Finley [Refractor] #38 sells for $142 against $11.25 raw: a $131 spread, 13× the ungraded price. Even a PSA 9 ($129) 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)
- $11.25
- Grade 9.5
- $142
- PSA 9
- $129
- Gem premium
- 13×
- 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 — Grade 9.5 | $142 | +$106 | +$80.75 | −$19.25 |
| PSA 9 | $129 | +$92.75 | +$67.75 | −$32.25 |
Net = sale price − $11.25 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% | $132 | +$71.00 |
| 50% | $136 | +$74.25 |
| 75% | $139 | +$77.50 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $142 |
| 9 | $129 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1996 Topps Chrome cards worth checking
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![Mike Mussina [Refractor] #23 1996 Topps Chrome card](https://i.ebayimg.com/images/g/iYcAAeSwmd1qSuAN/s-l500.jpg)
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Grading Steve Finley [Refractor] #38 — FAQ
Is Steve Finley [Refractor] #38 worth grading?
A Grade 9.5 Steve Finley [Refractor] #38 sells for $142 against $11.25 raw: a $131 spread, 13× the ungraded price. Even a PSA 9 ($129) 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.
Is your baseball 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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