keeper! if nothing else it is worth the thrill of having found it. that's a keeper to me! 109 year old wheat cents are worthy of adoption from circulation. showing it love by giving it a forever home increases the likelihood of finding more, imho.
It's better than the dozen or so 1910s I've ever found in circulation. Date is clearly readable. It's a decent cheap hole filler for an album. The ones I've ever found have been worn smooth in areas for that date or had a weak 0 at the end.