![Wayne Gretzky [Gold Refractor] #M4 (Hockey Cards 1998 Topps Mystery Finest) — is it worth grading?](https://i.ebayimg.com/images/g/MKAAAeSwZB9qWAeC/s-l1600.jpg)
Is Wayne Gretzky [Gold Refractor] #M4 worth grading?
Hockey · Hockey Cards 1998 Topps Mystery Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Wayne Gretzky [Gold Refractor] #M4 sells for $405 against $214 raw: a $191 spread, 1.9× the ungraded price. Even a PSA 9 ($368) 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)
- $214
- Grade 9.5
- $405
- PSA 9
- $368
- Gem premium
- 1.9×
- 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 | $405 | +$166 | +$141 | +$41.03 |
| PSA 9 | $368 | +$129 | +$104 | +$4.04 |
| PSA 8 | $233 | −$5.55 | −$30.55 | −$131 |
Net = sale price − $214 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% | $377 | +$113 |
| 50% | $387 | +$123 |
| 75% | $396 | +$132 |
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 →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 →![Dominik Hasek [Bronze Refractor] #M7 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/h0wAAeSwQ61qPFY6/s-l500.jpg)
![Pavel Bure [Bronze Refractor] #M3 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/-fIAAeSwEAdqDQLc/s-l500.jpg)
![Patrick Roy [Gold] #M16 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/DLAAAeSwsHRqVqDk/s-l500.jpg)
![Eric Lindros [Gold Refractor] #M9 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/KvAAAeSw-ABqUacO/s-l500.jpg)
![Wayne Gretzky [Silver Refractor] #M4 1998 Topps Mystery Finest card](https://i.ebayimg.com/images/g/8lMAAeSwx8pqO0HD/s-l500.jpg)
Grading Wayne Gretzky [Gold Refractor] #M4 — FAQ
Is Wayne Gretzky [Gold Refractor] #M4 worth grading?
A Grade 9.5 Wayne Gretzky [Gold Refractor] #M4 sells for $405 against $214 raw: a $191 spread, 1.9× the ungraded price. Even a PSA 9 ($368) 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.
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