![Tim Hardaway [Refractor] #SB3 (Basketball Cards 1998 Topps Chrome Season's Best) — is it worth grading?](https://i.ebayimg.com/images/g/TIYAAeSw1stqZ3-8/s-l1600.jpg)
Is Tim Hardaway [Refractor] #SB3 worth grading?
Basketball · Basketball Cards 1998 Topps Chrome Season's Best · full price guide →
Strong grading candidate — 22× premium in PSA 10
A PSA 10 Tim Hardaway [Refractor] #SB3 sells for $100 against $4.62 raw: a $95.38 spread, 22× the ungraded price. A PSA 9 ($16.00) 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)
- $4.62
- PSA 10
- $100
- PSA 9
- $16.00
- Gem premium
- 22×
- 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 | $100 | +$70.38 | +$45.38 | −$54.62 |
| PSA 9 | $16.00 | −$13.62 | −$38.62 | −$139 |
| PSA 8 | $14.43 | −$15.19 | −$40.19 | −$140 |
Net = sale price − $4.62 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% | $37.00 | −$17.62 |
| 50% | $58.00 | +$3.38 |
| 75% | $79.00 | +$24.38 |
Break-even gem rate at the standard fee: about 46%. 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 | $130 | best | 55/45 | 70/30 |
| PSA 10 | $100 | −$30.00 | 55/45 | 75/25 |
| CGC 10 | $60.00 | −$70.00 | 55/45 | 75/25 |
| SGC 10 | $60.00 | −$70.00 | 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.
Full grade ladder
Raw conditions & history →| Grade | PSA | CGC | BGS | SGC | Graded |
|---|---|---|---|---|---|
| 10 | $100 | $60.00 | $130 | $60.00 | — |
| 9.5 | — | — | — | — | $49.63 |
| 9 | — | — | — | — | $16.00 |
| 8 | — | — | — | — | $14.43 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1998 Topps Chrome Season's Best cards worth checking
Full set checklist →![Bobby Jackson [Refractor] #SB30 1998 Topps Chrome Season's Best card](https://i.ebayimg.com/images/g/1OsAAeSwgH9pr6ty/s-l500.jpg)
![Glenn Robinson [Refractor] #SB14 1998 Topps Chrome Season's Best card](https://i.ebayimg.com/images/g/BQkAAeSw28ppxZm6/s-l500.jpg)
![Shareef Abdur-Rahim [Refractor] #SB13 1998 Topps Chrome Season's Best card](https://i.ebayimg.com/images/g/4scAAeSwRfVqIxaC/s-l500.jpg)
![Hakeem Olajuwon [Refractor] #SB25 1998 Topps Chrome Season's Best card](https://i.ebayimg.com/images/g/6UcAAeSwAY9qY7xE/s-l500.jpg)
![Shaquille O'Neal [Refractor] #SB21 1998 Topps Chrome Season's Best card](https://i.ebayimg.com/images/g/CpEAAeSwnN9qYyyV/s-l500.jpg)
Grading Tim Hardaway [Refractor] #SB3 — FAQ
Is Tim Hardaway [Refractor] #SB3 worth grading?
A PSA 10 Tim Hardaway [Refractor] #SB3 sells for $100 against $4.62 raw: a $95.38 spread, 22× the ungraded price. A PSA 9 ($16.00) 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 Tim Hardaway [Refractor] #SB3 worth compared with raw?
A PSA 10 Tim Hardaway [Refractor] #SB3 (Basketball Cards 1998 Topps Chrome Season's Best) sells for about $100 versus $4.62 for a raw near-mint copy — a 22× premium as of Jul 11, 2026.
Which grading company is best for Tim Hardaway [Refractor] #SB3?
By resale value, BGS 10 leads at $130, ahead of PSA 10 at $100. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tim Hardaway [Refractor] #SB3 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 Tim Hardaway [Refractor] #SB3 break even?
At a standard ~$50 fee, submitting Tim Hardaway [Refractor] #SB3 breaks even when it gems about 46% of the time (a miss assumed to sell at the PSA 9 price of $16.00).
Is your basketball card centered well enough to grade?
Centering makes or breaks a PSA 10. Scan any card with Midpoint to measure its exact centering, get a grade estimate, and see what your copy is actually worth.
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