![Avery Johnson [Gold Refractor] #37 (Basketball Cards 1999 Finest) — is it worth grading?](https://i.ebayimg.com/images/g/mNIAAeSwKVxqk4dp/s-l1600.jpg)
Is Avery Johnson [Gold Refractor] #37 worth grading?
Basketball · Basketball Cards 1999 Finest · full price guide →
Worth grading — even a PSA 9 beats raw
A PSA 10 Avery Johnson [Gold Refractor] #37 sells for $150 against $5.25 raw: a $145 spread, 29× the ungraded price. Even a PSA 9 ($49.00) 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)
- $5.25
- PSA 10
- $150
- PSA 9
- $49.00
- Gem premium
- 29×
- As of
- Sep 2, 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 | $150 | +$120 | +$94.76 | −$5.24 |
| PSA 9 | $49.00 | +$18.75 | −$6.25 | −$106 |
Net = sale price − $5.25 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% | $74.25 | +$19.00 |
| 50% | $99.50 | +$44.25 |
| 75% | $125 | +$69.51 |
Break-even gem rate at the standard fee: about 6%. 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 | $195 | best | 55/45 | 70/30 |
| PSA 10 | $150 | −$44.99 | 55/45 | 75/25 |
| CGC 10 | $90.00 | −$105 | 55/45 | 75/25 |
| SGC 10 | $90.00 | −$105 | 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.
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Raw conditions & history →Swipe the table for the other grading companies →
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Should I pay this?
Enter the seller’s asking price to see your net outcome per grade.
Other 1999 Finest cards worth checking
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![Baron Davis [Gold Refractor] #111 1999 Finest card](https://i.ebayimg.com/images/g/eZEAAeSwEVFqxUfH/s-l500.jpg)
![Gary Payton [Gold Refractor w/ Coating] #84 1999 Finest card](https://i.ebayimg.com/images/g/EhgAAeSwm~FqxUqE/s-l500.jpg)
![Tim Duncan [Gold Refractor] #246 1999 Finest card](https://i.ebayimg.com/images/g/xQoAAeSwSN9qoWyH/s-l500.jpg)
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Grading Avery Johnson [Gold Refractor] #37 — FAQ
Is Avery Johnson [Gold Refractor] #37 worth grading?
A PSA 10 Avery Johnson [Gold Refractor] #37 sells for $150 against $5.25 raw: a $145 spread, 29× the ungraded price. Even a PSA 9 ($49.00) 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 Avery Johnson [Gold Refractor] #37 worth compared with raw?
A PSA 10 Avery Johnson [Gold Refractor] #37 (Basketball Cards 1999 Finest) sells for about $150 versus $5.25 for a raw near-mint copy — a 29× premium as of Sep 2, 2026.
Which grading company is best for Avery Johnson [Gold Refractor] #37?
By resale value, BGS 10 leads at $195, ahead of PSA 10 at $150. Fees and turnaround differ, so the best-paying label is not always the best net.
What centering does Avery Johnson [Gold Refractor] #37 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 Avery Johnson [Gold Refractor] #37 break even?
At a standard ~$50 fee, submitting Avery Johnson [Gold Refractor] #37 breaks even when it gems about 6% of the time (a miss assumed to sell at the PSA 9 price of $49.00).
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