I've been playing the game since the month it came out and I can say from personal experience that it is Pay to Win. Now I know I have bad luck with car packs but when I try to play in events and I'm going against people with full legendary cards, that either means they've spent upward of 1000. The single player is fun,for only the 50hrs it takes. Just if you want to save your money, don't play in the live events.