![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 $23.62 above the $16.38 raw price — less than an economy-tier grading fee. A PSA 9 ($36.60) 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)
- $16.38
- Grade 9.5
- $40.00
- PSA 9
- $36.60
- Gem premium
- 2.4×
- 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 | $40.00 | −$1.38 | −$26.38 | −$126 |
| PSA 9 | $36.60 | −$4.78 | −$29.78 | −$130 |
| PSA 8 | $11.05 | −$30.33 | −$55.33 | −$155 |
Net = sale price − $16.38 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% | $37.45 | −$28.93 |
| 50% | $38.30 | −$28.08 |
| 75% | $39.15 | −$27.23 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
Full grade ladder
Raw conditions & history →| Grade | Graded |
|---|---|
| 9.5 | $40.00 |
| 9 | $36.60 |
| 8 | $11.05 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1998 Topps Mystery Finest cards worth checking
Full set checklist →![Chipper Jones [Bordered Refractor] #M2 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/lvoAAeSwkuZp-6VX/s-l500.jpg)
![Ken Griffey Jr. [Bordered] #M20 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/masAAeSwxLNqYrhR/s-l500.jpg)
![Frank Thomas [Bordered Refractor] #M10 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/r4YAAeSwNKlqVZ9w/s-l500.jpg)
![Cal Ripken Jr. [Bordered Refractor] #M16 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/JjAAAeSwgblqYU~B/s-l500.jpg)
![Ken Griffey Jr. [Bordered Refractor] #M20 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/GHQAAeSwKA1qSCdY/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 $23.62 above the $16.38 raw price — less than an economy-tier grading fee. A PSA 9 ($36.60) only about breaks even after fees, so the case rests on gemming. Keep it raw unless you are grading for the slab itself.
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.
Check my card free