Cards › 2020 Topps Finest Flashbacks Bryce Harper #186 Refractor

Is the 2020 Topps Finest Flashbacks Bryce Harper #186 Refractor worth grading?

Live market numbers as of 2026-10-21 — raw vs. graded value, PSA 10 gem rate, and the breakeven math.

Raw value

$67.50

PSA 9 value

$42.00

PSA 10 value

$177.50

PSA 10 gem rate

30%

Based on the numbers below, this card is likely not worth grading at current prices — even a PSA 10 result loses an estimated $7 after costs.

The breakeven math

Line item	Amount
Raw purchase	$67.50
Sales tax (8%)	$5.40
Grading fee (priority tier)	$80.00
Shipping	$5.00
Total cost basis	$157.90
Net at PSA 10 (85% payout)	−$7.03 (-4%)
Net at PSA 9 (the downside case)	−$122.20

Assumptions: $80 grading, $5 shipping, 8% tax on the raw purchase, and keeping 85% of the sale after marketplace fees. Your numbers will differ — run them below.

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Card pricing data provided by SportsCardsPro, a service of PriceCharting. Gem rates reflect recent PSA population data (10 graded submissions). Not investment advice — grading outcomes are probabilistic and markets move. © Summit Sports Cards · About · Pricing