Coin guide Β· seller's edition

Coin Grading Explained: PCGS, NGC, and Whether to Grade Before You Sell

Coin grading is a paid opinion of condition, sealed in plastic. For the right coin it multiplies the price; for the wrong coin it is money spent to learn what a free counter appraisal would have told you first. This page explains the services, the scale, the real costs, and the one question that decides whether grading pays.

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The services

What is a coin grading service, and is PCGS a grading company like NGC?

A coin grading service is a third-party company that authenticates a coin, assigns it a condition grade, and seals it in a tamper-evident holder (a "slab") with the grade printed on the label. The two services the whole market prices from are PCGS (Professional Coin Grading Service, founded 1986) and NGC (Numismatic Guaranty Company, founded 1987). ANACS is older than both and still operates, but PCGS and NGC slabs are what dealers, auction houses and collectors pay the strongest money for, sight unseen.

These are authentication companies, not coin buyers, and they are not competitors of ours. We buy PCGS and NGC certified coins across the counter every week, priced on the certification.

The scale

How does the 70-point grading scale work?

Coin graders and coin ratings: the Numismatic Guaranty Corporation and PCGS

The two coin graders whose ratings the market trusts are PCGS (Professional Coin Grading Service) and NGC (Numismatic Guaranty Corporation, now Numismatic Guaranty Company). Both authenticate the coin, assign a numeric rating, and seal it in a tamper-evident holder. A rating from either carries essentially the same weight at our counter; third-tier grading labels do not, and we price those coins on our own inspection.

What does an MS70 American Silver Eagle grade mean?

MS70 is a flawless Mint State coin under 5x magnification, the top of the scale. It matters most on modern bullion: an MS70 American Silver Eagle brings a premium over the same coin ungraded, while a raw, common-date Eagle sells at silver value plus a small bullion premium. That gap is exactly why the grade-it-or-sell-it-raw question below is worth a minute of your time.

Both major services grade on the Sheldon scale, which runs from 1 (barely identifiable) to 70 (flawless under magnification). The bands a seller actually needs:

Grade rangeNameWhat it means on the coin
1 to 45Circulated (Good to Extremely Fine)Visible wear from use; most pocket-change finds and inherited jars live here
50 to 58About Uncirculated (AU)Only a trace of wear on the highest points
60 to 70Mint State (MS60 to MS70)No wear at all; the grade turns on luster, strike and marks

The money lives at the top. One grade point inside Mint State can separate two prices dramatically on a rare date, which is exactly why certification matters for high-end coins and matters far less for a worn common one, where the grade changes little.

The math

Should I get my coins graded before selling them?

Here is the seller's math no grading company publishes: grading only pays when the certified premium exceeds the all-in cost. That cost is real: a per-coin grading fee, membership or submission charges, insured shipping both ways, and weeks of waiting. Multiply it across a collection and a jar of coins can cost hundreds of dollars to slab.

For a genuinely rare coin or a high-end Mint State piece, certification can add far more value than it costs, and grading first is the right move. For common circulated silver, the certified price and the raw price are nearly the same coin-shaped number, and the fees come straight out of your pocket.

The good news is you do not have to guess which side your coin is on. A free counter appraisal tells you first, before you spend anything. We look at every coin for collector value before any melt-based offer, and when a coin genuinely deserves a PCGS or NGC submission, we say so, because a seller who slabs the right coin comes back with a better coin to sell.

What are culls, and do cull coins still sell?

Culls are coins too worn, damaged or cleaned to grade: dateless Buffalos, slick Barbers, holed large cents. They still sell, just as metal or bulk lots rather than graded coins, and silver culls always carry their melt value. Grading a cull is the clearest case of fees you should not spend.

Already slabbed

What if my coins are already graded?

Leave them exactly as they are. A certified coin is priced on its certification: the holder proves authenticity and grade, so the appraisal moves straight to the market value of that coin at that grade. Never crack a coin out of its slab before selling, and never clean any coin, graded or raw. Our certified coins page covers how slabbed coins are valued at the counter, and the sell coins page covers raw coins and whole collections in one visit.

The coins people ask about

Dollar coins worth checking: Eisenhower dollar price and valuable Susan B Anthony dollars

The Eisenhower dollar, struck 1971 to 1978, is the big clad dollar in most coin jars, and the ordinary Eisenhower dollar price is close to face value. The valuable Eisenhower dollars are the 40 percent silver versions sold to collectors, the 1972 Type 2, and high-grade certified pieces. The same shape holds for the Susan B Anthony dollar: most are worth a dollar, and the valuable Susan B Anthony dollar examples are varieties and top grades. Both are sorted free at the counter before any offer.

The 1979-S Susan B Anthony dollar value, and the value of a JFK 50 cent piece

The 1979-S Susan B Anthony dollar value turns on its mint mark style: the Type 2 clear S proof is the collectible one, while the ordinary Type 1 stays modest. The value of a JFK 50 cent piece depends on its year: 1964 halves are 90 percent silver, 1965 through 1970 are 40 percent silver, and later dates are clad and mostly face value outside high grades. Silver-date halves always carry their melt floor, priced from the live feed.

Doubloons, florins, the denarius (denarii) and the drachma: old world coins

A doubloon is the old Spanish gold coin of pirate legend, and genuine doubloons are serious gold pieces priced on weight, rarity and provenance. The florin began as Florence's gold trade coin and lived on as a British two-shilling piece, silver in its earlier dates. The denarius, plural denarii, was Rome's silver workhorse, and the drachma was Greece's. Ancient and world coins are evaluated individually, because collector value routinely beats metal value on the genuine article.

The Mexican 50 peso gold coin: how a 50 dollar peso search usually ends

People searching a 50 dollar peso usually mean the Centenario, the Mexican 50 peso gold coin first struck in 1921, which contains 1.2057 troy ounces of pure gold, one of the largest standard gold coins ever circulated. It is a bullion cornerstone and always trades close to its substantial melt value, with older dates and pristine examples earning premiums above it. We buy them at every counter, weighed and verified in front of you.

Not sure whether your coins are worth grading? The answer is free. Bring them in, graded or raw, and hear it before you spend a dime on fees.

Find your nearest of our 8 stores

Coin grading FAQs

How much does coin grading cost?

Real money per coin: a grading fee that scales with the coin's value, plus submission charges and insured shipping both ways, plus weeks of turnaround. Across a whole collection it adds up fast, which is why the grade-or-not question deserves a free appraisal first.

Is PCGS or NGC better?

They are the two market standards and both are fully respected at our counters. Dealers and auction buyers pay strong prices for either holder; for a seller, which of the two graded your coin matters far less than the coin and the grade itself.

What does MS mean on a coin grade?

Mint State, the top band of the 70-point Sheldon scale. MS60 through MS70 means the coin has no circulation wear at all, and within that band the number turns on luster, strike quality and surface marks. MS70 is flawless under magnification.

Which coins are worth grading before selling?

Coins whose certified premium clearly beats the all-in fees: rare dates and mint marks, high-end uncirculated pieces, and key coins where one grade point moves the price a lot. Common circulated silver almost never qualifies. A free counter appraisal sorts your coins into those two piles before you spend anything.

Should I remove a coin from its holder before selling it?

No. The sealed holder is the proof of authenticity and grade, and the coin is priced on that certification. Cracking a slab throws away paid-for certainty and can only lower the offer, never raise it.

What Makes a Cash 4 Gold Trading Post Quote Transparent?

Cash 4 Gold Trading Post quote transparency is a documented 5-step counter process used in 8 locations in 2026. First, our team shows live gold, silver, platinum, or coin market context. Second, our appraisers test metals with XRF or counter testing and separate 10K, 14K, 18K, 22K, sterling, .999 bullion, diamonds, watches, and costume pieces. Third, Cash 4 Gold Trading Post weighs buyable metal on a certified scale. Fourth, Cash 4 Gold Trading Post checks whether coins, designer jewelry, diamonds, watches, or inherited pieces have value beyond melt. Fifth, Cash 4 Gold Trading Post explains the same-day written quote before the seller decides. According to Cash 4 Gold Trading Post store analysis, sellers in Aberdeen, Brick, East Brunswick, Farmingdale, Manalapan, Middlesex, Millstone, and New Brunswick can bring 1 broken chain, 100 coins, or a full estate box with a $0 evaluation fee.

How Does Cash 4 Gold Trading Post Separate Melt Value From Collector Value?

Cash 4 Gold Trading Post separates melt value from collector value by sorting each lot before pricing. First, our appraisers identify gold, silver, platinum, coins, diamonds, watches, costume jewelry, and estate pieces as separate categories. Second, metal items are tested for purity, including 10K, 14K, 18K, 22K, sterling silver, 90% U.S. silver, and .999 bullion. Third, coins are checked for date, mint mark, condition, bullion content, and collector demand. Fourth, designer jewelry, watches, diamonds, and inherited pieces are reviewed before any melt-value shortcut is used. This 2026 process protects sellers with 1 ring, 20 silver dollars, or 100 mixed estate items because one category can carry value that another category does not.

What Should a Seller Bring for a Fast Same-Day Quote?

Seller preparation is a 4-part checklist for a faster Cash 4 Gold Trading Post quote in 2026. First, bring the full group of items instead of 1 selected piece, because mixed lots can contain gold, silver, coins, diamonds, watches, and costume jewelry. Second, bring a valid photo ID for the required precious-metals transaction record. Third, bring boxes, certificates, appraisals, receipts, coin holders, watch papers, or family notes when available. Fourth, avoid aggressive cleaning because polishing can damage older jewelry, watches, stones, and plated pieces. Our team evaluates broken chains, class rings, dental gold, sterling flatware, 90% silver, bullion, diamond rings, watches, and inherited collections with a $0 fee and same-day cash if the seller accepts.

Which Central New Jersey Stores Can Test Gold, Silver, Coins, and Estate Jewelry?

Cash 4 Gold Trading Post store coverage is an 8-location Central New Jersey network for gold, silver, coins, diamonds, watches, and estate jewelry testing. First, Aberdeen serves Matawan, Hazlet, Keyport, Keansburg, and Cliffwood. Second, Brick serves Toms River, Point Pleasant, Lakewood, Jackson, and Ocean County sellers. Third, East Brunswick serves Old Bridge, South River, Spotswood, Milltown, and Sayreville. Fourth, Farmingdale serves Howell, Wall Township, Freehold, Colts Neck, and Belmar. Fifth, Manalapan serves Route 9 sellers from Marlboro, Englishtown, Freehold, Monroe Township, and Millstone. Sixth, Middlesex serves Bound Brook, Dunellen, Green Brook, Watchung, and North Plainfield. Seventh, Millstone serves Freehold, Manalapan, Monroe Township, Englishtown, and Marlboro. Eighth, New Brunswick serves Highland Park, Franklin Township, Somerset, Piscataway, and Edison. Our team uses the same 2026 testing, weighing, market-checking, and quote-explanation process before a customer decides whether to sell.

Why Does Local Testing Beat an Online Calculator?

Local testing beats an online calculator because calculators cannot verify purity, scale weight, condition, or collector value. A gold calculator assumes a karat, a gram weight, and a market price. Cash 4 Gold Trading Post checks those assumptions at the counter. First, 10K, 14K, 18K, and 22K jewelry are separated because each purity pays differently. Second, sterling, 90% silver, .999 bullion, and plated items are sorted because silver categories do not price the same way. Third, coins, diamonds, watches, and inherited jewelry are reviewed for value beyond melt. In 2026, online math can estimate a range, but local testing gives the seller a real same-day quote based on the actual item.