![Steve Kerr [Refractor] #164 (Basketball Cards 1994 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/ftMAAeSwPmNqDK~m/s-l1600.jpg)
Is Steve Kerr [Refractor] #164 worth grading?
Basketball · Basketball Cards 1994 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A Grade 9.5 Steve Kerr [Refractor] #164 sells for $83.00 against $8.00 raw: a $75.00 spread, 10× the ungraded price. Even a PSA 9 ($75.10) 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)
- $8.00
- Grade 9.5
- $83.00
- PSA 9
- $75.10
- Gem premium
- 10×
- 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 | $83.00 | +$50.00 | +$25.00 | −$75.00 |
| PSA 9 | $75.10 | +$42.10 | +$17.10 | −$82.90 |
| PSA 8 | $38.00 | +$5.00 | −$20.00 | −$120 |
Net = sale price − $8.00 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% | $77.07 | +$19.07 |
| 50% | $79.05 | +$21.05 |
| 75% | $81.03 | +$23.03 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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 1994 Finest cards worth checking
Full set checklist →![Grant Hill [Refractor] #200 1994 Finest card](https://i.ebayimg.com/images/g/5Z0AAeSw779qSLh2/s-l500.jpg)
![Jason Kidd [Refractor] #286 1994 Finest card](https://i.ebayimg.com/images/g/LzUAAeSwOeFqHNyi/s-l500.jpg)
![Michael Jordan [With Coating] #331 1994 Finest card](https://i.ebayimg.com/images/g/AakAAOSw3YtmI1v1/s-l500.jpg)
![Grant Hill [Refractor] #240 1994 Finest card](https://i.ebayimg.com/images/g/7fYAAOSw8FVmQsdj/s-l500.jpg)
Grading Steve Kerr [Refractor] #164 — FAQ
Is Steve Kerr [Refractor] #164 worth grading?
A Grade 9.5 Steve Kerr [Refractor] #164 sells for $83.00 against $8.00 raw: a $75.00 spread, 10× the ungraded price. Even a PSA 9 ($75.10) 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.
Best on iPhone & Android
Check your basketball 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.
