![Greg Maddux [Borderless Refractor] #M12 (Baseball Cards 1998 Topps Mystery Finest) — is it worth grading?](https://i.ebayimg.com/images/g/HO4AAeSwltBqS0HQ/s-l1600.jpg)
Is Greg Maddux [Borderless Refractor] #M12 worth grading?
Baseball · Baseball Cards 1998 Topps Mystery Finest · full price guide →
Grading rarely pays for this card
Grade 9.5 copies of Greg Maddux [Borderless Refractor] #M12 sell for $40.00, only $23.55 above the $16.45 raw price — less than an economy-tier grading fee. A PSA 9 ($36.54) 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)
- $16.45
- Grade 9.5
- $40.00
- PSA 9
- $36.54
- Gem premium
- 2.4×
- 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 — Grade 9.5 | $40.00 | −$1.45 | −$26.45 | −$126 |
| PSA 9 | $36.54 | −$4.91 | −$29.91 | −$130 |
| PSA 8 | $11.05 | −$30.40 | −$55.40 | −$155 |
Net = sale price − $16.45 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% | $37.41 | −$29.04 |
| 50% | $38.27 | −$28.18 |
| 75% | $39.13 | −$27.32 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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Other 1998 Topps Mystery Finest cards worth checking
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![Tony Gwynn [Bordered Refractor] #M9 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/-kgAAeSw23FqRwe1/s-l500.jpg)
![Chipper Jones [Bordered Refractor] #M2 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/lvoAAeSwkuZp-6VX/s-l500.jpg)
![Frank Thomas [Bordered Refractor] #M10 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/r4YAAeSwNKlqVZ9w/s-l500.jpg)
![Ken Griffey Jr. [Borderless] #M20 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/NTkAAeSwShxqqXbF/s-l500.jpg)
Grading Greg Maddux [Borderless Refractor] #M12 — FAQ
Is Greg Maddux [Borderless Refractor] #M12 worth grading?
Grade 9.5 copies of Greg Maddux [Borderless Refractor] #M12 sell for $40.00, only $23.55 above the $16.45 raw price — less than an economy-tier grading fee. A PSA 9 ($36.54) 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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