![Mike Trout [Gold Refractor] #97FM-MT (Baseball Cards 2021 Topps Finest 1997 Masters) — is it worth grading?](https://i.ebayimg.com/images/g/gDoAAeSw5eRqYrbx/s-l1600.jpg)
Is Mike Trout [Gold Refractor] #97FM-MT worth grading?
Baseball · Baseball Cards 2021 Topps Finest 1997 Masters · full price guide →
Worth grading only if it gems
A PSA 10 Mike Trout [Gold Refractor] #97FM-MT brings $400 versus $203 raw — a $197 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($70.41) sells for less than raw, so anything short of a 10 loses money.
- Raw (NM)
- $203
- PSA 10
- $400
- PSA 9
- $70.41
- Gem premium
- 2.0×
- 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 | $400 | +$172 | +$147 | +$47.21 |
| PSA 9 | $70.41 | −$157 | −$182 | −$282 |
Net = sale price − $203 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% | $153 | −$99.97 |
| 50% | $235 | −$17.58 |
| 75% | $318 | +$64.82 |
Break-even gem rate at the standard fee: about 55%. 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 | $520 | best | 55/45 | 70/30 |
| PSA 10 | $400 | −$120 | 55/45 | 75/25 |
| CGC 10 | $240 | −$280 | 55/45 | 75/25 |
| SGC 10 | $240 | −$280 | 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 | $400 | $240 | $520 | $240 | — |
| 9.5 | — | — | — | — | $77.00 |
| 9 | — | — | — | — | $70.41 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2021 Topps Finest 1997 Masters cards worth checking
Full set checklist →
![Xander Bogaerts [Gold Refractor] #97FM-XB 2021 Topps Finest 1997 Masters card](https://i.ebayimg.com/images/g/OVMAAeSwfRBqVxIs/s-l500.jpg)
Grading Mike Trout [Gold Refractor] #97FM-MT — FAQ
Is Mike Trout [Gold Refractor] #97FM-MT worth grading?
A PSA 10 Mike Trout [Gold Refractor] #97FM-MT brings $400 versus $203 raw — a $197 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($70.41) sells for less than raw, so anything short of a 10 loses money.
How much is a PSA 10 Mike Trout [Gold Refractor] #97FM-MT worth compared with raw?
A PSA 10 Mike Trout [Gold Refractor] #97FM-MT (Baseball Cards 2021 Topps Finest 1997 Masters) sells for about $400 versus $203 for a raw near-mint copy — a 2.0× premium as of Jul 11, 2026.
Which grading company is best for Mike Trout [Gold Refractor] #97FM-MT?
By resale value, BGS 10 leads at $520, ahead of PSA 10 at $400. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Mike Trout [Gold Refractor] #97FM-MT 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 Mike Trout [Gold Refractor] #97FM-MT break even?
At a standard ~$50 fee, submitting Mike Trout [Gold Refractor] #97FM-MT breaks even when it gems about 55% of the time (a miss assumed to sell at the PSA 9 price of $70.41).
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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