![Walter Payton [Yellow Refractor] #23 (Football Cards 2024 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/m-sAAeSw645qIIIK/s-l1600.jpg)
Is Walter Payton [Yellow Refractor] #23 worth grading?
Football · Football Cards 2024 Topps Chrome · full price guide →
Strong grading candidate — 3.5× premium in PSA 10
A PSA 10 Walter Payton [Yellow Refractor] #23 sells for $170 against $48.41 raw: a $122 spread, 3.5× the ungraded price. A PSA 9 ($62.21) 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)
- $48.41
- PSA 10
- $170
- PSA 9
- $62.21
- Gem premium
- 3.5×
- 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 | $170 | +$96.59 | +$71.59 | −$28.41 |
| PSA 9 | $62.21 | −$11.20 | −$36.20 | −$136 |
| PSA 8 | $30.41 | −$43.00 | −$68.00 | −$168 |
Net = sale price − $48.41 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% | $89.16 | −$9.25 |
| 50% | $116 | +$17.70 |
| 75% | $143 | +$44.64 |
Break-even gem rate at the standard fee: about 34%. 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 | $221 | best | 55/45 | 70/30 |
| PSA 10 | $170 | −$51.00 | 55/45 | 75/25 |
| CGC 10 | $102 | −$119 | 55/45 | 75/25 |
| SGC 10 | $102 | −$119 | 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 | $170 | $102 | $221 | $102 | — |
| 9.5 | — | — | — | — | $130 |
| 9 | — | — | — | — | $62.21 |
| 8 | — | — | — | — | $30.41 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 2024 Topps Chrome cards worth checking
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![Walter Payton [Orange Sapphire] #23 2024 Topps Chrome card](https://i.ebayimg.com/images/g/mM4AAOSw3mpn8aAt/s-l500.jpg)
![Walter Payton [White Sapphire] #23 2024 Topps Chrome card](https://i.ebayimg.com/images/g/w14AAeSwyMZp3ASc/s-l500.jpg)
Grading Walter Payton [Yellow Refractor] #23 — FAQ
Is Walter Payton [Yellow Refractor] #23 worth grading?
A PSA 10 Walter Payton [Yellow Refractor] #23 sells for $170 against $48.41 raw: a $122 spread, 3.5× the ungraded price. A PSA 9 ($62.21) 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 Walter Payton [Yellow Refractor] #23 worth compared with raw?
A PSA 10 Walter Payton [Yellow Refractor] #23 (Football Cards 2024 Topps Chrome) sells for about $170 versus $48.41 for a raw near-mint copy — a 3.5× premium as of Jul 11, 2026.
Which grading company is best for Walter Payton [Yellow Refractor] #23?
By resale value, BGS 10 leads at $221, ahead of PSA 10 at $170. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Walter Payton [Yellow Refractor] #23 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 Walter Payton [Yellow Refractor] #23 break even?
At a standard ~$50 fee, submitting Walter Payton [Yellow Refractor] #23 breaks even when it gems about 34% of the time (a miss assumed to sell at the PSA 9 price of $62.21).
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.
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