Is Najee Harris #DT-20 worth grading?

Football · Football Cards 2021 Panini Donruss Optic Downtown · full price guide →

Worth grading — even a PSA 9 beats raw

A PSA 10 Najee Harris #DT-20 sells for $357 against $270 raw: a $87.47 spread, 1.3× the ungraded price. Even a PSA 9 ($300) 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): $270
PSA 10: $357
PSA 9: $300
Gem premium: 1.3×
As of: Sep 4, 2026

Break-even by outcome and fee

Najee Harris #DT-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 — PSA 10	$357	+$62.47	+$37.47	−$62.53
PSA 9	$300	+$5.47	−$19.53	−$120
PSA 8	$280	−$14.53	−$39.53	−$140

Net = sale price − $270 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?

Najee Harris #DT-20: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$314	−$5.28
50%	$329	+$8.97
75%	$343	+$23.22

Break-even gem rate at the standard fee: about 34%. 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 →

Najee Harris #DT-20: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$464	best	55/45	70/30
PSA 10	$357	−$107	55/45	75/25
SGC 10	$305	−$159	55/45	75/25
CGC 10	$214	−$250	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 →

Najee Harris #DT-20 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$357	$214	$464	$305	—
9.5	—	—	—	—	$330
9	—	—	—	—	$300
8	—	—	—	—	$280

Swipe the table for the other grading companies →

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

Other 2021 Panini Donruss Optic Downtown cards worth checking

Full set checklist →

Ja'Marr Chase [Black Pandora] #DT-36

Raw $1,056PSA 10 $9,500

Jerry Rice [Gold] #DT-30

Raw $900PSA 10 $7,000

Tom Brady [Black Pandora] #DT-23

Raw $2,333PSA 10 $15,000

Saquon Barkley [Gold] #DT-6

Raw $3,050PSA 10 $16,000

Trevor Lawrence [Black Pandora] #DT-33

Raw $4,999PSA 10 $7,600

Grading Najee Harris #DT-20 — FAQ

Is Najee Harris #DT-20 worth grading?

How much is a PSA 10 Najee Harris #DT-20 worth compared with raw?

A PSA 10 Najee Harris #DT-20 (Football Cards 2021 Panini Donruss Optic Downtown) sells for about $357 versus $270 for a raw near-mint copy — a 1.3× premium as of Sep 4, 2026.

Which grading company is best for Najee Harris #DT-20?

By resale value, BGS 10 leads at $464, ahead of PSA 10 at $357. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Najee Harris #DT-20 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 Najee Harris #DT-20 break even?

At a standard ~$50 fee, submitting Najee Harris #DT-20 breaks even when it gems about 34% of the time (a miss assumed to sell at the PSA 9 price of $300).

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