What Is a Refractor Card? Guide to Types, Value & Variations

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I was deep into card collecting as a kid in the 1980s — growing up on the simple, no-frills releases from Topps, Fleer, and Donruss. Topps packs came with a rock-hard stick of gum that cracked your teeth and left a waxy imprint on your cards. Fleer and Donruss? Half the time, they looked like they were sliced by a dull blade.

But by the late ’80s and early ’90s, things changed. The card companies realized they had a gold mine on their hands — and their answer was to print shinier cards, raise the price, and launch premium sets that actually looked premium.

That all came to a head in 1993, when Topps dropped a set that stopped collectors in their tracks: 1993 Topps Finest Baseball. These cards were thick, glossy, and unlike anything we’d seen. At my brother’s shop in Stoughton, MA, packs were flying off the shelves — even at $5 a pop. It felt like the future had arrived.

But what we didn’t fully realize then was that Topps had just introduced the “Refractor” card—a shiny, rainbow-gloss insert that would go on to reshape the hobby for decades.

In this guide, I’ll explain the origin of refractors, how they’ve evolved over the years, the different types you’ll find today, and why they’ve become such a powerful force in modern collecting.

What Are Refractor Cards?

Refractor cards are parallels of standard base cards, featuring a reflective, rainbow-like finish created by a specialized printing process. This finish makes them visually distinct and often more desirable than their base counterparts.

How Do Refractors Differ from Regular Cards?

Reflective Coating: The prismatic surface sets refractors apart.
Markings: Some refractors will mention “Refractor” on the card; some are numbered; however, many do not have any additional identification, making it challenging to identify the card.
Rarity: Refractors are typically printed in smaller quantities than base cards, adding a layer of collectibility.

1993-94 Finest David Robionson Base–Tricky to tell as the base cards are still shiny.
1993-94 Finest David Robinson Refractor. Notice the holographic essence of the card.

A Brief History of Refractor Cards

1993: The Birth of Refractors

The first official refractor cards were part of the 1993 Topps Finest Baseball Set. The base Topps Finest set consisted of 199 cards, with a corresponding refractor parallel card inserted one per wax box. At the time of issue, the hype surrounding refractor cards was real. The hobby was coming off the launch of the first premium card with 89 Upper Deck, and the hobby started to get flooded with more expensive packs.

93-finest — 1993 Topps Finest Baseball Unopened Box

But Finest took it to the next level. The cards were super premium, and even the base cards were beautiful. Since the refractor cards were so limited (there was believed to be a total print run of 241 cards for each player), collectors were willing to pay a significant premium for the big names in the set—notably Nolan Ryan, Ken Griffey Jr., Ivan Rodriguez, Barry Bonds, and Frank Thomas. What is the one drawback of the 93 Finest set? No major rookie cards.

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93 Finest Frank Thomas Refractor
93 Finest Frank Thomas Base

Note that the 93 Finest refactors have no identification on the card itself (front or back) to identify it as a ‘refractor’; thus, collectors must be familiar with the differences. This video from PWCC shows a Michael Jordan Finest Refractor and how it shines when tilted in different directions.

griiffey-refractor-psa-10 — Today, the 93 Finest Refractors are still highly valued by collectors; a PSA 10 Ken Griffey Jr. refractor sold at an eBay auction in 2023 for $18K.

1994–1999: Early Innovations

As demand grew, refractors appeared in other Topps products, such as Bowman, Chrome, Stadium Club, and other sports. Topps included refractors in its inaugural 1993-94 Finest Basketball issue, which features a popular Michael Jordan refractor.

In Football, the first refractor cards came out in the 1994 Finest Football set, which features popular cards from Barry Sanders, Jerry Rice, and Emmitt Smith. But once again, there are no big-time rookie cards.

Topps finally got around to pumping out the rookie refractors with its 1995 Bowman’s Best Baseball release, which featured refractor cards of Vlad Guerrero Jr, Andruw Jones, and Scott Rolen, among others.

1995 Bowman’s Best Vlad Guerrero Jr Blue Refractor Insert

By the late 1990s, Topps expanded into colored refractors, the most popular of which was the Gold refractor. The Atomic refractor was also introduced.

KEN GRIFFEY JR. 1996 Topps Finest GOLD INTIMIDATORS REFRACTOR PARALLEL

2000s: The Rise of Superfractors

The early 2000s saw the introduction of patterned refractors (e.g., X-Fractors) and the first Superfractors, iconic one-of-a-kind 1-of-1 cards that became holy grails for collectors.

What’s The Difference Between A Refractor, an X-fractor, and A Superfractor?

A refractor is the first of its kind insert card, the shiny, prism-like card parallel to a base. In the early days, the refractor was the only insert. However, this has changed significantly, with many different color refractor variations and what have become known as rarer X-fractors and Superfractors.

A superfractor is a rare, 1/1 refractor that, for a specific card, is the only one in existence. X-fractors have a checkered background and tend to be rarer than most refractors; however, this will vary by issue.

The 2010s and Beyond

Refractors evolved into dozens of colors, patterns, and serial-numbered variations. They also gained popularity internationally, particularly in soccer and non-sports cards like Pokémon. With its 2012-2013 Basketball release, Panini released its first refractor-type insert cards (known as Prizm’s), marking the first of what would become a welcome and long-lasting competitor to Topps. Panini’s basketball success was also translated to Baseball, Football, and Hockey under the Panini Prizm brand name.

2012 Panini Prizm Lebron James Prizm insert, Panin’s response to the success of Topps refractor insert cards.

How To Identify A Refractor Card?

While modern refractors are often labeled, earlier versions require a discerning eye. Here’s how to spot them:

Look for the Shine: Hold the card under light to catch the signature rainbow effect. This is the easiest way to distinguish a regular base from a refractor.
Check for Markings: Many refractors include “Refractor” on the back or front. Many modern refractors are numbered.
Colors and Patterns: Variations like Gold, X-Fractors, or Atomic Refractors have distinct appearances.

The lack of labeling, especially on early refractors, requires visual inspection, which is best done by comparing a base card from the set to a card that you suspect might be a refractor. This video provides good insight using the Topps Finest refractors.

The Most Popular And Valuable Refractor Cards

Here’s a list of some of the three most valuable refractor cards sold at auction in the last five years.

1. 2009 Bowman Chrome Draft Prospects Mike Trout Superfractor Autograph (1/1) $3.9 Million.

A beast of a card, this 2009 Bowman Draft Mike Trout is not only a superfractor 1/1 but autographed as well. Sold at Goldin Auctions back in 2020, it set the record for the highest card sale on record, breaking the previous high mark for a T206 Honus Wagner card.

2. 1996-97 Topps Chrome Refractor Kobe Bryant BGS 10 Black Label: $1.8 Million

In 2021, when the market was going a bit bananas, a collector paid a big premium for this 96-97 Topps Chrome Kobe RC Refractor in BGS 10 Pristine grade. It’s only one of two copies to earn a BGS 10 Pristine; however, the premium versus a PSA 10 is somewhat insane. A more recent sale of a PSA 10 hit $100K , almost 1/20th the price of this BGS 10 copy.

3. 2003 Topps Chrome Gold Lebron James RC: $900K

While this isn’t a 1/1, the Chrome Gold Lebron in Gem-MINT condition is rare. This PSA 10 copy sold for $900K at Goldin Auctions in 2023. Only 21 have earned a PSA 10 grade.

This PSA 10 Topps Chrome Gold Lebron RC sold for $900K at auction in 2023.

Exploring The Insanity Of Refractor Overproduction: 2024 Topps Chrome Baseball

The refractor situation today is a bit overwhelming. Tracking the number of inserts in any particular set is nearly impossible, and the number of parallel issues and inserts for sets today is ridiculous.

Ultimately, it all comes down to the card companies trying to make more money. They create more inserts, limit each insert to a specific print run, and make it appear to collectors that these offerings are rare.

Let’s examine one modern baseball issue and the inserts to explore in more detail: 2024 Topps Chrome Baseball.

2024 Topps Chrome Shohei Ohtani Hyper Prizm Refractor

The 2024 Topps Chrome Baseball set has twenty-three base card parallels!

2024 Topps Chrome Base Card Parallels

Refractor– 1:3 Packs
Prism Refractor– 1:6 Packs
Negative Refractor
Magenta Speckle Refractor – #’d to 350
Purple Speckle Refractor – #’d to 299
Purple Refractor – #’d to 250
Aqua Refractor – #’d to 199
Aqua Lava Refractor – #’d to 199
Blue Refractor – #’d to 150
Blue Sonar Refractor – #’d to 125
Green Refractor – #’d to 99
Green Wave Refractor – #’d to 99 Hobby/Jumbo Exclusive
Green Sonar Refractor – #’d to 99
Blue Wave Refractor – #’d to 75 Hobby/Jumbo Exclusive
Gold Refractor – #’d to 50
Gold Wave Refractor – #’d to 50 Hobby/Jumbo Exclusive
Orange Refractor – #’d to 25 – Hobby Exclusive
Orange Wave Refractor – #’d to 25 Hobby/Jumbo Exclusive
Black Refractor – #’d to 10 New! Hobby/Jumbo Exclusive
Red Refractor – #’d to 5
Red Wave Refractor – #’d to 5 Hobby/Jumbo Exclusive
SuperFractor – #’d 1-of-1
Printing Plates – #’d 1-of-1

These insert cards range from a rainbow of various refractor cards (Purple, Aqua, Blue, Aqua Lava (?), and many more) to other gimmicky cards like Negative refractors (the card image is flipped), the apparent rare hunt Superfractor (1/1), and ‘Printing Plates’ (also a 1/1 insert card).

“As an example, each base card in the 2024 Topps Chrome Baseball set has twenty-three parallel/insert cards! Is this the junk wax era all over again, but with fancier, high glossy, reflective cards? ”

Today, collectors focus on the hunt for that rare Superfractor and fail to realize that the other insert cards (despite some having more scarcity) have been printed into the bazillion. Completing the rainbow for any of your favorite players will cost you the need for probably three part-time jobs. Can you say Uber?

Is this the junk wax era all over again? But with fancier, high glossy, reflective cards?

Conclusion – Investment Angle

I love refractors, but as an investor-type collector, I recommend leaning towards older refractor cards that have limited parallels and are one-of-a-kind insert cards in a specific set. That’s just my preference. For modern collectors, I can understand ‘chasing the rainbow,’ but from my perspective, it all feels way too crowded and confusing.

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