![Larry Fitzgerald [White Refractor] #118 (Football Cards 2004 Bowman Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/wsAAAeSwEFNqWX03/s-l1600.jpg)
Is Larry Fitzgerald [White Refractor] #118 worth grading?
Football · Football Cards 2004 Bowman Chrome · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Larry Fitzgerald [White Refractor] #118 sells for $699 against $109 raw: a $590 spread, 6.4× the ungraded price. Even a PSA 9 ($200) 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)
- $109
- PSA 10
- $699
- PSA 9
- $200
- Gem premium
- 6.4×
- 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 | $699 | +$565 | +$540 | +$440 |
| PSA 9 | $200 | +$66.00 | +$41.00 | −$59.00 |
| PSA 8 | $66.49 | −$67.51 | −$92.51 | −$193 |
Net = sale price − $109 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% | $325 | +$166 |
| 50% | $450 | +$291 |
| 75% | $574 | +$415 |
Even a miss (a 9) beats selling raw after the standard fee — the gem rate only decides how much you win by.
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 | $909 | best | 55/45 | 70/30 |
| PSA 10 | $699 | −$210 | 55/45 | 75/25 |
| CGC 10 | $419 | −$490 | 55/45 | 75/25 |
| SGC 10 | $419 | −$490 | 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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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
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Grading Larry Fitzgerald [White Refractor] #118 — FAQ
Is Larry Fitzgerald [White Refractor] #118 worth grading?
A PSA 10 Larry Fitzgerald [White Refractor] #118 sells for $699 against $109 raw: a $590 spread, 6.4× the ungraded price. Even a PSA 9 ($200) 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.
How much is a PSA 10 Larry Fitzgerald [White Refractor] #118 worth compared with raw?
A PSA 10 Larry Fitzgerald [White Refractor] #118 (Football Cards 2004 Bowman Chrome) sells for about $699 versus $109 for a raw near-mint copy — a 6.4× premium as of Sep 3, 2026.
Which grading company is best for Larry Fitzgerald [White Refractor] #118?
By resale value, BGS 10 leads at $909, ahead of PSA 10 at $699. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Larry Fitzgerald [White Refractor] #118 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.
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