![Wayne Gretzky [Silver Refractor] #M4 (Hockey Cards 1998 Topps Mystery Finest) — is it worth grading?](https://i.ebayimg.com/images/g/8lMAAeSwx8pqO0HD/s-l1600.jpg)
Is Wayne Gretzky [Silver Refractor] #M4 worth grading?
Hockey · Hockey Cards 1998 Topps Mystery Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Wayne Gretzky [Silver Refractor] #M4 sells for $325 against $56.60 raw: a $268 spread, 5.7× the ungraded price. Even a PSA 9 ($139) 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)
- $56.60
- PSA 10
- $325
- PSA 9
- $139
- Gem premium
- 5.7×
- 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 | $325 | +$243 | +$218 | +$118 |
| PSA 9 | $139 | +$57.40 | +$32.40 | −$67.60 |
| PSA 8 | $84.00 | +$2.40 | −$22.60 | −$123 |
Net = sale price − $56.60 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% | $186 | +$78.90 |
| 50% | $232 | +$125 |
| 75% | $279 | +$172 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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 | $423 | best | 55/45 | 70/30 |
| PSA 10 | $325 | −$98.00 | 55/45 | 75/25 |
| SGC 10 | $315 | −$108 | 55/45 | 75/25 |
| CGC 10 | $195 | −$228 | 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 | $325 | $195 | $423 | $315 | — |
| 9.5 | — | — | — | — | $153 |
| 9 | — | — | — | — | $139 |
| 8 | — | — | — | — | $84.00 |
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 →![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)
Grading Wayne Gretzky [Silver Refractor] #M4 — FAQ
Is Wayne Gretzky [Silver Refractor] #M4 worth grading?
A PSA 10 Wayne Gretzky [Silver Refractor] #M4 sells for $325 against $56.60 raw: a $268 spread, 5.7× the ungraded price. Even a PSA 9 ($139) 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.
How much is a PSA 10 Wayne Gretzky [Silver Refractor] #M4 worth compared with raw?
A PSA 10 Wayne Gretzky [Silver Refractor] #M4 (Hockey Cards 1998 Topps Mystery Finest) sells for about $325 versus $56.60 for a raw near-mint copy — a 5.7× premium as of Jul 11, 2026.
Which grading company is best for Wayne Gretzky [Silver Refractor] #M4?
By resale value, BGS 10 leads at $423, ahead of PSA 10 at $325. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Wayne Gretzky [Silver Refractor] #M4 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.
Is your hockey 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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