![Peyton Manning [Refractor] #165 (Football Cards 1998 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/c~gAAeSwOk1qUrP-/s-l1600.jpg)
Is Peyton Manning [Refractor] #165 worth grading?
Football · Football Cards 1998 Topps Chrome · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Peyton Manning [Refractor] #165 sells for $13,129 against $1,487 raw: a $11,642 spread, 8.8× the ungraded price. Even a PSA 9 ($2,643) 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)
- $1,487
- PSA 10
- $13,129
- PSA 9
- $2,643
- Gem premium
- 8.8×
- 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 | $13,129 | +$11,617 | +$11,592 | +$11,492 |
| PSA 9 | $2,643 | +$1,130 | +$1,105 | +$1,005 |
| PSA 8 | $1,674 | +$161 | +$136 | +$36.36 |
Net = sale price − $1,487 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% | $5,264 | +$3,727 |
| 50% | $7,886 | +$6,349 |
| 75% | $10,508 | +$8,970 |
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 |
|---|---|---|---|---|
| PSA 10 | $13,129 | best | 55/45 | 75/25 |
| BGS 10 | $11,939 | −$1,191 | 55/45 | 70/30 |
| CGC 10 | $7,878 | −$5,251 | 55/45 | 75/25 |
| SGC 10 | $7,878 | −$5,251 | 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 Chrome cards worth checking
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Grading Peyton Manning [Refractor] #165 — FAQ
Is Peyton Manning [Refractor] #165 worth grading?
A PSA 10 Peyton Manning [Refractor] #165 sells for $13,129 against $1,487 raw: a $11,642 spread, 8.8× the ungraded price. Even a PSA 9 ($2,643) 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] #165 worth compared with raw?
A PSA 10 Peyton Manning [Refractor] #165 (Football Cards 1998 Topps Chrome) sells for about $13,129 versus $1,487 for a raw near-mint copy — a 8.8× premium as of Sep 4, 2026.
Which grading company is best for Peyton Manning [Refractor] #165?
By resale value, PSA 10 leads at $13,129, ahead of BGS 10 at $11,939. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Peyton Manning [Refractor] #165 need for a PSA 10?
PSA publishes 55/45 front and 75/25 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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