Starting with 1995 Finest, Topps decided to put a protective coating sticker over the front surface of the card. What reason you ask? For no reason I answer. The Ultra Violet coating that had been applied to premium cards when not fully dried had tended to make the card stick together. Instead of drying the cards properly Topps decided to apply a sticker.
Now the purist will tell you that the sticker is now part of the card but the practical collector will tell you that the sticker is nothing more than part of the pack – an individual wrapper.
When it comes to grading it is best to remove the sticker because BGS and PSA will consider the sticker part of the surface. The problem with that is that the stickers then to be filled with minor air bubbles.
The other reason to remove is in terms of value. The (eBay) market has not put any premium on cards with peel intact.
About The Card
This 1995 Finest Cal Ripken is the same card with the peel and without. I will be subbing this in the future. It appears to be in Gem Mint Condition.