![Cole Palmer [Refractor] #97 (Soccer Cards 2021 Topps Finest UEFA Champions League) — is it worth grading?](https://i.ebayimg.com/images/g/i6oAAeSwF4FqMw8E/s-l1600.jpg)
Is Cole Palmer [Refractor] #97 worth grading?
Soccer · Soccer Cards 2021 Topps Finest UEFA Champions League · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Cole Palmer [Refractor] #97 sells for $48.99 against $5.37 raw: a $43.62 spread, 9.1× the ungraded price. Even a PSA 9 ($40.00) 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)
- $5.37
- PSA 10
- $48.99
- PSA 9
- $40.00
- Gem premium
- 9.1×
- 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 | $48.99 | +$18.62 | −$6.38 | −$106 |
| PSA 9 | $40.00 | +$9.63 | −$15.37 | −$115 |
| PSA 8 | $9.18 | −$21.19 | −$46.19 | −$146 |
Net = sale price − $5.37 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% | $42.25 | −$13.12 |
| 50% | $44.50 | −$10.87 |
| 75% | $46.74 | −$8.63 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
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 | $64.00 | best | 55/45 | 70/30 |
| PSA 10 | $48.99 | −$15.01 | 55/45 | 75/25 |
| CGC 10 | $29.00 | −$35.00 | 55/45 | 75/25 |
| SGC 10 | $29.00 | −$35.00 | 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.
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2021 Topps Finest UEFA Champions League cards worth checking
Full set checklist →![Cole Palmer [Pink Prism] #97 2021 Topps Finest UEFA Champions League card](https://i.ebayimg.com/images/g/SSoAAeSwuntpO1eZ/s-l500.jpg)
Grading Cole Palmer [Refractor] #97 — FAQ
Is Cole Palmer [Refractor] #97 worth grading?
A PSA 10 Cole Palmer [Refractor] #97 sells for $48.99 against $5.37 raw: a $43.62 spread, 9.1× the ungraded price. Even a PSA 9 ($40.00) 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 Cole Palmer [Refractor] #97 worth compared with raw?
A PSA 10 Cole Palmer [Refractor] #97 (Soccer Cards 2021 Topps Finest UEFA Champions League) sells for about $48.99 versus $5.37 for a raw near-mint copy — a 9.1× premium as of Jul 11, 2026.
Which grading company is best for Cole Palmer [Refractor] #97?
By resale value, BGS 10 leads at $64.00, ahead of PSA 10 at $48.99. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Cole Palmer [Refractor] #97 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.
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