Is Ty Law [Refractor] #104 worth grading?
Football · Football Cards 1999 Topps Finest · full price guide →
Strong grading candidate — 22× premium in PSA 10
A PSA 10 Ty Law [Refractor] #104 sells for $120 against $5.50 raw: a $115 spread, 22× the ungraded price. A PSA 9 ($12.50) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $5.50
- PSA 10
- $120
- PSA 9
- $12.50
- Gem premium
- 22×
- As of
- Sep 3, 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 | $120 | +$89.50 | +$64.50 | −$35.50 |
| PSA 9 | $12.50 | −$18.00 | −$43.00 | −$143 |
| PSA 8 | $4.00 | −$26.50 | −$51.50 | −$152 |
Net = sale price − $5.50 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% | $39.38 | −$16.13 |
| 50% | $66.25 | +$10.75 |
| 75% | $93.13 | +$37.63 |
Break-even gem rate at the standard fee: about 40%. 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 →| Grader | 10 sells for | vs best | Front centering for a 10 | Back |
|---|---|---|---|---|
| BGS 10 | $156 | best | 55/45 | 70/30 |
| PSA 10 | $120 | −$36.00 | 55/45 | 75/25 |
| CGC 10 | $72.00 | −$84.00 | 55/45 | 75/25 |
| SGC 10 | $72.00 | −$84.00 | 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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Full set checklist →Grading Ty Law [Refractor] #104 — FAQ
Is Ty Law [Refractor] #104 worth grading?
A PSA 10 Ty Law [Refractor] #104 sells for $120 against $5.50 raw: a $115 spread, 22× the ungraded price. A PSA 9 ($12.50) only about breaks even after fees, so the case rests on gemming. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Ty Law [Refractor] #104 worth compared with raw?
A PSA 10 Ty Law [Refractor] #104 (Football Cards 1999 Topps Finest) sells for about $120 versus $5.50 for a raw near-mint copy — a 22× premium as of Sep 3, 2026.
Which grading company is best for Ty Law [Refractor] #104?
By resale value, BGS 10 leads at $156, ahead of PSA 10 at $120. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Ty Law [Refractor] #104 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 Ty Law [Refractor] #104 break even?
At a standard ~$50 fee, submitting Ty Law [Refractor] #104 breaks even when it gems about 40% of the time (a miss assumed to sell at the PSA 9 price of $12.50).
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