Is Justin Herbert [Black] #103 worth grading?

Football · Football Cards 2020 Panini Phoenix · full price guide →

Worth grading only if it gems

A PSA 10 Justin Herbert [Black] #103 brings $1,016 versus $554 raw — a $462 spread that covers an economy-tier ~$25 grading fee. A PSA 9 ($202) sells for less than raw, so anything short of a 10 loses money.

Raw (NM): $554
PSA 10: $1,016
PSA 9: $202
Gem premium: 1.8×
As of: Sep 4, 2026

Break-even by outcome and fee

Justin Herbert [Black] #103: 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	$1,016	+$437	+$412	+$312
PSA 9	$202	−$378	−$403	−$503

Net = sale price − $554 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?

Justin Herbert [Black] #103: expected value of submitting by gem probability
Chance it gems	Expected sale	Expected net (standard fee)
25%	$405	−$199
50%	$609	+$4.91
75%	$813	+$209

Break-even gem rate at the standard fee: about 49%. 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 →

Justin Herbert [Black] #103: top-grade value by grading company with centering tolerance
Grader	10 sells for	vs best	Front centering for a 10	Back
BGS 10	$1,321	best	55/45	70/30
PSA 10	$1,016	−$305	55/45	75/25
CGC 10	$610	−$711	55/45	75/25
SGC 10	$610	−$711	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 →

Justin Herbert [Black] #103 graded prices by company and grade
Grade	PSA	CGC	BGS	SGC	Graded
10	$1,016	$610	$1,321	$610	—
9.5	—	—	—	—	$222
9	—	—	—	—	$202

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 2020 Panini Phoenix cards worth checking

Full set checklist →

Antoine Winfield Jr. [Autograph Silver] #161

Raw $6.94PSA 10 $140

Justin Herbert [Rookie Rising Red] #RR-3

Raw $39.99PSA 10 $500

Tom Brady [Fire Burst] #35

Raw $7.03PSA 10 $79.50

Joe Burrow [Fire Burst] #101

Raw $12.63PSA 10 $103

Justin Jefferson [Fire Burst] #111

Raw $12.63PSA 10 $76.80

Joe Burrow [Red] #101

Raw $31.21PSA 10 $153

Grading Justin Herbert [Black] #103 — FAQ

Is Justin Herbert [Black] #103 worth grading?

How much is a PSA 10 Justin Herbert [Black] #103 worth compared with raw?

A PSA 10 Justin Herbert [Black] #103 (Football Cards 2020 Panini Phoenix) sells for about $1,016 versus $554 for a raw near-mint copy — a 1.8× premium as of Sep 4, 2026.

Which grading company is best for Justin Herbert [Black] #103?

By resale value, BGS 10 leads at $1,321, ahead of PSA 10 at $1,016. Fees and turnaround differ, so the best-paying label is not always the best net.

What centering does Justin Herbert [Black] #103 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 Justin Herbert [Black] #103 break even?

At a standard ~$50 fee, submitting Justin Herbert [Black] #103 breaks even when it gems about 49% of the time (a miss assumed to sell at the PSA 9 price of $202).

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