![Michael Jordan [Refractor] #M1 (Basketball Cards 1995 Finest Mystery) — is it worth grading?](https://i.ebayimg.com/images/g/5NAAAeSwWW5qO3Et/s-l1600.jpg)
Is Michael Jordan [Refractor] #M1 worth grading?
Basketball · Basketball Cards 1995 Finest Mystery · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Michael Jordan [Refractor] #M1 sells for $12,000 against $885 raw: a $11,115 spread, 14× the ungraded price. Even a PSA 9 ($3,450) 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)
- $885
- PSA 10
- $12,000
- PSA 9
- $3,450
- Gem premium
- 14×
- 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 — PSA 10 | $12,000 | +$11,090 | +$11,065 | +$10,965 |
| PSA 9 | $3,450 | +$2,540 | +$2,515 | +$2,415 |
| PSA 8 | $1,612 | +$702 | +$677 | +$577 |
Net = sale price − $885 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% | $5,588 | +$4,652 |
| 50% | $7,725 | +$6,790 |
| 75% | $9,863 | +$8,927 |
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 | $15,600 | best | 55/45 | 70/30 |
| PSA 10 | $12,000 | −$3,600 | 55/45 | 75/25 |
| CGC 10 | $7,200 | −$8,400 | 55/45 | 75/25 |
| SGC 10 | $7,200 | −$8,400 | 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.
Other 1995 Finest Mystery cards worth checking
Full set checklist →![Shaquille O'Neal [Bordered Refractor] #M22 1995 Finest Mystery card](https://i.ebayimg.com/images/g/Vs8AAeSwYaxqUDI~/s-l500.jpg)
![Michael Jordan [Orange Border Refractor Test Issue] #M1 1995 Finest Mystery card](https://i.ebayimg.com/images/g/TycAAeSwDB5qaFEe/s-l500.jpg)
![Anfernee Hardaway [Borderless Refractor] #M3 1995 Finest Mystery card](https://i.ebayimg.com/images/g/VnAAAeSwM-NqpcTy/s-l500.jpg)
![Shaquille O'Neal [Borderless Refractor] #M22 1995 Finest Mystery card](https://i.ebayimg.com/images/g/9ssAAeSwU0FqnLP5/s-l500.jpg)
Grading Michael Jordan [Refractor] #M1 — FAQ
Is Michael Jordan [Refractor] #M1 worth grading?
A PSA 10 Michael Jordan [Refractor] #M1 sells for $12,000 against $885 raw: a $11,115 spread, 14× the ungraded price. Even a PSA 9 ($3,450) 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 Michael Jordan [Refractor] #M1 worth compared with raw?
A PSA 10 Michael Jordan [Refractor] #M1 (Basketball Cards 1995 Finest Mystery) sells for about $12,000 versus $885 for a raw near-mint copy — a 14× premium as of Sep 4, 2026.
Which grading company is best for Michael Jordan [Refractor] #M1?
By resale value, BGS 10 leads at $15,600, ahead of PSA 10 at $12,000. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Michael Jordan [Refractor] #M1 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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