Here is a link to a card that I have. You will see the difference in the auctions that one is listed as a refractor and the others aren't. Nowhere on my card does it say refractor. If you look closely at the ebay auctions that state refractor, the "Chicago Bulls" name is gold. That is how mine looks aswell. How can I determine which one I have? Here is the link
http://www.ebay.com/sch/i.html?_odkw=jordan+rodman+pippen+70+wins&LH_Auction=1&_sop=1&_osacat=212&_from=R40&LH_Complete=1&_trksid=p2045573.m570.l1313&_nkw=jordan+rodman+pippen+72+wins&_sacat=212
http://www.ebay.com/sch/i.html?_odkw=jordan+rodman+pippen+70+wins&LH_Auction=1&_sop=1&_osacat=212&_from=R40&LH_Complete=1&_trksid=p2045573.m570.l1313&_nkw=jordan+rodman+pippen+72+wins&_sacat=212