Is Derek Jeter [Black Refractor] #20 worth grading?

Baseball · Baseball Cards 2004 Topps Chrome · full price guide →

Worth grading only if it gems

A Grade 9.5 Derek Jeter [Black Refractor] #20 brings $350 versus $305 raw — a $45.00 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($318) only about breaks even after fees, so the case rests on gemming.

Raw (NM): $305
Grade 9.5: $350
PSA 9: $318
Gem premium: 1.1×
As of: Sep 4, 2026

Break-even by outcome and fee

Derek Jeter [Black Refractor] #20: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — Grade 9.5	$350	+$20.00	−$5.00	−$105
PSA 9	$318	−$12.22	−$37.22	−$137
PSA 8	$226	−$104	−$129	−$229

Net = sale price − $305 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?

Derek Jeter [Black Refractor] #20: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$326	−$29.17
50%	$334	−$21.11
75%	$342	−$13.06

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 →

Derek Jeter [Black Refractor] #20 graded prices by company and grade
Grade	Graded
9.5	$350
9	$318
8	$226

Run your own numbers

Should I pay this?

Asking priceGrading fee

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