$Mitch Richmond [Refractor] #164 (Basketball Cards 1997 Finest) — is it worth grading?$

Is Mitch Richmond [Refractor] #164 worth grading?

Basketball · Basketball Cards 1997 Finest · full price guide →

Worth grading — even a PSA 9 beats raw

A PSA 10 Mitch Richmond [Refractor] #164 sells for $646 against $23.99 raw: a $622 spread, 27× the ungraded price. Even a PSA 9 ($117) 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): $23.99
PSA 10: $646
PSA 9: $117
Gem premium: 27×
As of: Sep 3, 2026

Break-even by outcome and fee

Mitch Richmond [Refractor] #164: net result of grading versus selling raw, by outcome and fee tier
If it comes back…	Sells for	Economy / bulk (~$25.00)	Standard (~$50.00)	Express (~$150)
Gem — PSA 10	$646	+$597	+$572	+$472
PSA 9	$117	+$67.93	+$42.93	−$57.07
PSA 8	$57.16	+$8.17	−$16.83	−$117

Net = sale price − $23.99 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?

Mitch Richmond [Refractor] #164: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$249	+$175
50%	$382	+$308
75%	$514	+$440

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 →

Mitch Richmond [Refractor] #164: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$840	best	55/45	70/30
PSA 10	$646	−$194	55/45	75/25
CGC 10	$388	−$452	55/45	75/25
SGC 10	$388	−$452	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 →

Mitch Richmond [Refractor] #164 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$646	$388	$840	$388	—
9.5	—	—	—	—	$189
9	—	—	—	—	$117
8	—	—	—	—	$57.16

Swipe the table for the other grading companies →

Run your own numbers

Should I pay this?

Asking priceGrading fee

Enter the seller’s asking price to see your net outcome per grade.

Other 1997 Finest cards worth checking

Full set checklist →

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$Michael Jordan [Refractor w/ Coating] #271 1997 Finest card$

Michael Jordan [Refractor w/ Coating] #271

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$Michael Jordan [Refractor w/ Coating] #39 1997 Finest card$

Michael Jordan [Refractor w/ Coating] #39

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$Kobe Bryant [Refractor] #323 1997 Finest card$

Kobe Bryant [Refractor] #323

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$Michael Jordan [Refractor] #39 1997 Finest card$

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Grading Mitch Richmond [Refractor] #164 — FAQ

Is Mitch Richmond [Refractor] #164 worth grading?

How much is a PSA 10 Mitch Richmond [Refractor] #164 worth compared with raw?

A PSA 10 Mitch Richmond [Refractor] #164 (Basketball Cards 1997 Finest) sells for about $646 versus $23.99 for a raw near-mint copy — a 27× premium as of Sep 3, 2026.

Which grading company is best for Mitch Richmond [Refractor] #164?

By resale value, BGS 10 leads at $840, ahead of PSA 10 at $646. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Mitch Richmond [Refractor] #164 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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