![Kevin Garnett [Refractor] #D2 (Basketball Cards 1997 Topps Chrome Destiny) — is it worth grading?](https://i.ebayimg.com/images/g/8VcAAeSw3nlqSD3O/s-l1600.jpg)
Is Kevin Garnett [Refractor] #D2 worth grading?
Basketball · Basketball Cards 1997 Topps Chrome Destiny · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Kevin Garnett [Refractor] #D2 sells for $117 against $14.68 raw: a $102 spread, 8.0× the ungraded price. Even a PSA 9 ($40.94) 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)
- $14.68
- PSA 10
- $117
- PSA 9
- $40.94
- Gem premium
- 8.0×
- 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 | $117 | +$77.32 | +$52.32 | −$47.68 |
| PSA 9 | $40.94 | +$1.26 | −$23.74 | −$124 |
| PSA 8 | $36.86 | −$2.82 | −$27.82 | −$128 |
Net = sale price − $14.68 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% | $59.95 | −$4.73 |
| 50% | $78.97 | +$14.29 |
| 75% | $97.98 | +$33.31 |
Break-even gem rate at the standard fee: about 31%. 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 | $152 | best | 55/45 | 70/30 |
| PSA 10 | $117 | −$35.00 | 55/45 | 75/25 |
| CGC 10 | $70.00 | −$82.00 | 55/45 | 75/25 |
| SGC 10 | $70.00 | −$82.00 | 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 | $117 | $70.00 | $152 | $70.00 | — |
| 9.5 | — | — | — | — | $79.88 |
| 9 | — | — | — | — | $40.94 |
| 8 | — | — | — | — | $36.86 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1997 Topps Chrome Destiny cards worth checking
Full set checklist →
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![Allen Iverson [Refractor] #D14 1997 Topps Chrome Destiny card](https://i.ebayimg.com/images/g/kZEAAeSwjYdqZAYN/s-l500.jpg)
![Tim Duncan [Refractor] #D8 1997 Topps Chrome Destiny card](https://i.ebayimg.com/images/g/kUEAAeSw4cZpwJnO/s-l500.jpg)
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Grading Kevin Garnett [Refractor] #D2 — FAQ
Is Kevin Garnett [Refractor] #D2 worth grading?
A PSA 10 Kevin Garnett [Refractor] #D2 sells for $117 against $14.68 raw: a $102 spread, 8.0× the ungraded price. Even a PSA 9 ($40.94) 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 Kevin Garnett [Refractor] #D2 worth compared with raw?
A PSA 10 Kevin Garnett [Refractor] #D2 (Basketball Cards 1997 Topps Chrome Destiny) sells for about $117 versus $14.68 for a raw near-mint copy — a 8.0× premium as of Jul 11, 2026.
Which grading company is best for Kevin Garnett [Refractor] #D2?
By resale value, BGS 10 leads at $152, ahead of PSA 10 at $117. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Kevin Garnett [Refractor] #D2 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 Kevin Garnett [Refractor] #D2 break even?
At a standard ~$50 fee, submitting Kevin Garnett [Refractor] #D2 breaks even when it gems about 31% of the time (a miss assumed to sell at the PSA 9 price of $40.94).
Is your basketball 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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