Cards › 2025 Topps Chrome Instinct Dylan Harper #INS-12 Refractor

Is the 2025 Topps Chrome Instinct Dylan Harper #INS-12 Refractor worth grading?

Live market numbers as of 2026-08-14 — raw vs. graded value, PSA 10 gem rate, and the breakeven math.

Raw value

$41.50

PSA 9 value

$31.75

PSA 10 value

$326.28

PSA 10 gem rate

69%

Based on the numbers below, this card is a strong grading candidate at current prices: a PSA 10 nets an estimated $203 profit and 69% of recent submissions gemmed.

The breakeven math

Line item	Amount
Raw purchase	$41.50
Sales tax (8%)	$3.32
Grading fee (value tier)	$25.00
Shipping	$5.00
Total cost basis	$74.82
Net at PSA 10 (85% payout)	+$202.52 (+271%)
Net at PSA 9 (the downside case)	−$47.83

Assumptions: $25 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 (29 graded submissions). Not investment advice — grading outcomes are probabilistic and markets move. © Summit Sports Cards · About · Pricing