![Peyton Manning [Refractor] #121 (Football Cards 1998 Topps Finest) — is it worth grading?](https://i.ebayimg.com/images/g/VNEAAOSwgjtgKyl9/s-l1600.jpg)
Is Peyton Manning [Refractor] #121 worth grading?
Football · Football Cards 1998 Topps Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Peyton Manning [Refractor] #121 sells for $1,364 against $320 raw: a $1,044 spread, 4.3× the ungraded price. Even a PSA 9 ($589) 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)
- $320
- PSA 10
- $1,364
- PSA 9
- $589
- Gem premium
- 4.3×
- 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 — PSA 10 | $1,364 | +$1,019 | +$994 | +$894 |
| PSA 9 | $589 | +$244 | +$219 | +$119 |
| PSA 8 | $200 | −$145 | −$170 | −$270 |
Net = sale price − $320 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% | $783 | +$413 |
| 50% | $977 | +$607 |
| 75% | $1,170 | +$800 |
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 | $1,879 | best | 55/45 | 70/30 |
| PSA 10 | $1,364 | −$515 | 55/45 | 75/25 |
| CGC 10 | $818 | −$1,061 | 55/45 | 75/25 |
| SGC 10 | $818 | −$1,061 | 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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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1998 Topps Finest cards worth checking
Full set checklist →![Eric Allen [Refractor] #226 1998 Topps Finest card](https://i.ebayimg.com/images/g/ypUAAeSw-~pqZunX/s-l500.jpg)
![Randy Moss [w/ Coating] #135 1998 Topps Finest card](https://i.ebayimg.com/images/g/EAMAAeSwan9qWuAh/s-l500.jpg)
![Peyton Manning [w/ Coating] #121 1998 Topps Finest card](https://i.ebayimg.com/images/g/UzMAAeSw18BqTE6D/s-l500.jpg)
![Warren Moon [Non Protected Refractor] #80 1998 Topps Finest card](https://i.ebayimg.com/images/g/EbwAAeSwmUtps4FO/s-l500.jpg)
Grading Peyton Manning [Refractor] #121 — FAQ
Is Peyton Manning [Refractor] #121 worth grading?
A PSA 10 Peyton Manning [Refractor] #121 sells for $1,364 against $320 raw: a $1,044 spread, 4.3× the ungraded price. Even a PSA 9 ($589) 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 Peyton Manning [Refractor] #121 worth compared with raw?
A PSA 10 Peyton Manning [Refractor] #121 (Football Cards 1998 Topps Finest) sells for about $1,364 versus $320 for a raw near-mint copy — a 4.3× premium as of Sep 4, 2026.
Which grading company is best for Peyton Manning [Refractor] #121?
By resale value, BGS 10 leads at $1,879, ahead of PSA 10 at $1,364. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Peyton Manning [Refractor] #121 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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