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 . 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. I would give it a zero if I could.