![Tracy McGrady [Refractor] #162 (Basketball Cards 1998 Topps Chrome) — is it worth grading?](https://i.ebayimg.com/images/g/AqYAAeSwe41qVmqk/s-l1600.jpg)
Is Tracy McGrady [Refractor] #162 worth grading?
Basketball · Basketball Cards 1998 Topps Chrome · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Tracy McGrady [Refractor] #162 sells for $992 against $49.99 raw: a $942 spread, 20× the ungraded price. Even a PSA 9 ($115) 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)
- $49.99
- PSA 10
- $992
- PSA 9
- $115
- Gem premium
- 20×
- 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 | $992 | +$917 | +$892 | +$792 |
| PSA 9 | $115 | +$40.01 | +$15.01 | −$84.99 |
| PSA 8 | $54.39 | −$20.60 | −$45.60 | −$146 |
Net = sale price − $49.99 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?
| Chance it gems | Expected sale | Expected net (standard fee) |
|---|---|---|
| 25% | $334 | +$234 |
| 50% | $554 | +$454 |
| 75% | $773 | +$673 |
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 | $1,290 | best | 55/45 | 70/30 |
| PSA 10 | $992 | −$298 | 55/45 | 75/25 |
| CGC 10 | $595 | −$695 | 55/45 | 75/25 |
| SGC 10 | $595 | −$695 | 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 | $992 | $595 | $1,290 | $595 | — |
| 9.5 | — | — | — | — | $339 |
| 9 | — | — | — | — | $115 |
| 8 | — | — | — | — | $54.39 |
Run your own numbers
Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1998 Topps Chrome cards worth checking
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Grading Tracy McGrady [Refractor] #162 — FAQ
Is Tracy McGrady [Refractor] #162 worth grading?
A PSA 10 Tracy McGrady [Refractor] #162 sells for $992 against $49.99 raw: a $942 spread, 20× the ungraded price. Even a PSA 9 ($115) 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 Tracy McGrady [Refractor] #162 worth compared with raw?
A PSA 10 Tracy McGrady [Refractor] #162 (Basketball Cards 1998 Topps Chrome) sells for about $992 versus $49.99 for a raw near-mint copy — a 20× premium as of Jul 11, 2026.
Which grading company is best for Tracy McGrady [Refractor] #162?
By resale value, BGS 10 leads at $1,290, ahead of PSA 10 at $992. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Tracy McGrady [Refractor] #162 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.
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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