![Tom Brady [Black Refractor] #124 (Football Cards 2003 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/vLcAAeSwQ2tqRHyW/s-l1600.jpg)
Is Tom Brady [Black Refractor] #124 worth grading?
Football · Football Cards 2003 Topps Chrome · full price guide →
Strong grading candidate — 3.4× premium in PSA 10
A PSA 10 Tom Brady [Black Refractor] #124 sells for $4,777 against $1,400 raw: a $3,377 spread, 3.4× the ungraded price. A PSA 9 ($1,240) sells for less than raw, so anything short of a 10 loses money. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
- Raw (NM)
- $1,400
- PSA 10
- $4,777
- PSA 9
- $1,240
- Gem premium
- 3.4×
- 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 | $4,777 | +$3,352 | +$3,327 | +$3,227 |
| PSA 9 | $1,240 | −$185 | −$210 | −$310 |
| PSA 8 | $696 | −$729 | −$754 | −$854 |
Net = sale price − $1,400 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% | $2,124 | +$674 |
| 50% | $3,009 | +$1,559 |
| 75% | $3,893 | +$2,443 |
Break-even gem rate at the standard fee: about 6%. 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 | $6,211 | best | 55/45 | 70/30 |
| PSA 10 | $4,777 | −$1,434 | 55/45 | 75/25 |
| CGC 10 | $2,866 | −$3,345 | 55/45 | 75/25 |
| SGC 10 | $2,866 | −$3,345 | 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 | $4,777 | $2,866 | $6,211 | $2,866 | — |
| 9.5 | — | — | — | — | $1,731 |
| 9 | — | — | — | — | $1,240 |
| 8 | — | — | — | — | $696 |
| 7 | — | — | — | — | $567 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2003 Topps Chrome cards worth checking
Full set checklist →
![Tom Brady [Black Refractor] #148 2003 Topps Chrome card](https://i.ebayimg.com/images/g/n-IAAOSw6l1h42av/s-l500.jpg)
Grading Tom Brady [Black Refractor] #124 — FAQ
Is Tom Brady [Black Refractor] #124 worth grading?
A PSA 10 Tom Brady [Black Refractor] #124 sells for $4,777 against $1,400 raw: a $3,377 spread, 3.4× the ungraded price. A PSA 9 ($1,240) sells for less than raw, so anything short of a 10 loses money. Centering is the usual reason a clean copy misses the 10 — measure it before you submit.
How much is a PSA 10 Tom Brady [Black Refractor] #124 worth compared with raw?
A PSA 10 Tom Brady [Black Refractor] #124 (Football Cards 2003 Topps Chrome) sells for about $4,777 versus $1,400 for a raw near-mint copy — a 3.4× premium as of Jul 11, 2026.
Which grading company is best for Tom Brady [Black Refractor] #124?
By resale value, BGS 10 leads at $6,211, ahead of PSA 10 at $4,777. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tom Brady [Black Refractor] #124 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 Tom Brady [Black Refractor] #124 break even?
At a standard ~$50 fee, submitting Tom Brady [Black Refractor] #124 breaks even when it gems about 6% of the time (a miss assumed to sell at the PSA 9 price of $1,240).
Is your football 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.
Check my card free