It looks like an NGC holder so: MS66 This coin would easily garner FBL at PCGS but I don’t know if luster is good enough for PCGS premium gem standards. PCGS grade is MS65 FBL.
Indeed PCGS is a bit more lenient with the FBL designation. If I'm not mistaken, they're only interested in the lower set of lines; whereas NGC will only assign the FBL designation if both the bottom and top set of lines are full. And regardless of PCGS or NGC, I too see a few marks along the bell lines which make me question the FBL designation. I picked this one up predominantly due to the neat obverse toning. The reverse has some spectacular luster and the fields are rather pristine (other than right below the M of UNUM). And yes, certainly the Liberty Bell device has a few contact marks - including a couple coming really close to interfering with FBL.