Is Torry Holt [Refractor] #OG21 worth grading?
Football · Football Cards 2002 Topps Chrome Own the Game · full price guide →
Grading rarely pays for this card
Grade 9.5 copies of Torry Holt [Refractor] #OG21 sell for $16.00, only $0.00 above the $16.51 raw price — less than an economy-tier grading fee. A PSA 9 ($14.50) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
- Raw (NM)
- $16.51
- Grade 9.5
- $16.00
- PSA 9
- $14.50
- Gem premium
- 1.0×
- 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 — Grade 9.5 | $16.00 | −$25.51 | −$50.51 | −$151 |
| PSA 9 | $14.50 | −$27.01 | −$52.01 | −$152 |
Net = sale price − $16.51 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% | $14.88 | −$51.64 |
| 50% | $15.25 | −$51.26 |
| 75% | $15.63 | −$50.89 |
At the standard fee this submission does not break even at any realistic gem rate unless the miss lands above the 9 price.
Full grade ladder
Raw conditions & history →Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2002 Topps Chrome Own the Game cards worth checking
Full set checklist →
![Tom Brady [Refractor] #OG7 2002 Topps Chrome Own the Game card](https://i.ebayimg.com/images/g/5ukAAeSwhIJqBnCC/s-l500.jpg)
![Peyton Manning [Refractor] #OG2 2002 Topps Chrome Own the Game card](https://i.ebayimg.com/images/g/W40AAeSw-8pp~T-o/s-l500.jpg)
![Ray Lewis [Refractor] #OG27 2002 Topps Chrome Own the Game card](https://i.ebayimg.com/images/g/UmAAAOSw4ChmyOvM/s-l500.jpg)
Grading Torry Holt [Refractor] #OG21 — FAQ
Is Torry Holt [Refractor] #OG21 worth grading?
Grade 9.5 copies of Torry Holt [Refractor] #OG21 sell for $16.00, only $0.00 above the $16.51 raw price — less than an economy-tier grading fee. A PSA 9 ($14.50) sells for less than raw, so anything short of a 10 loses money. Keep it raw unless you are grading for the slab itself.
Best on iPhone & Android
Check your football card in the Midpoint app
Scan with your camera to measure centering to the millimeter, get an AI grade with corner and edge close-ups, see what your copy is worth, and track it in your portfolio. Free to start.
