About $12 USD will probably get you a serviceable deck that can hit Platinum or Diamond (which is the equivalent of a pretty dang good ELO rating,) depending on how Lucky you are with the cards you drew and your skill as a player. If you manage to stick to the Diamond ranking and play 75 games per week, you will earn enough credits for a new pack of cards on a *weekly* basis. If you're good, you can make 100% of your money back in packs in 5 weeks.
I wouldn't say the game is "pay to win" at this stage so much as "pay to play." You definitely need to make an initial investment to succeed. However, many of us have been enjoying UR for years without having to invest a great deal of cash. If that's not enough reason to throw a little bit of money at the developers, I don't know what is.
"For those who don't know it yet, there will be a market in Fantasy Rivals where you'll be able to trade your Heroes.
This market will be different from the one in Urban Rivals. Here are the main things that you need to know about Fantasy Rivals' Heroes Market. Feel free to tell us what you think.
1/ Everyone can sell. No need to be premium (having purchased credits with money) to be able to sell characters in the market.
2/ There will be two markets. One in GOLD and another one in CREDIT. A Hero must be sold in the currency used to acquire it. It means that if you used credits to get a Hero (wether you won the credits in a league or purchased them) and you want to sell it, you can only do it on the credit market.
3/ Catelyn will take a 5% commission on each sale with a minimum of 1 credits or 10 gold
4/ Catelyn will buy back all the heroes you purchased in credits for set prices based on their rarities : common 2 credits, uncommon 5 credits, rare 10 credits, Epic 20 credits. As of now, Catelyn doesn't plan to buy back the heroes bought in gold.
5/ There will be 2 more packs available in gold. A pack with one uncommon hero and one with 1 rare hero. The prices are not set yet but they will be significantly more expensive than the Basic Pack. This is how uncommon and rare cards will appear on the gold market.
I'm sorry but I can't give you any date for a release of the market. It's a priority for us and it will be live as soon as it's done. "