Achieving a 98-rated Ultimate Team in EA Sports FC 25 is the pinnacle of squad building in Ultimate Team mode. With each annual release, the bar gets higher, the grind gets tougher, and the competition becomes even more intense. In FC 25, a 98-rated squad isn’t just about putting together high overall players – it’s about optimizing chemistry, exploiting meta players, taking advantage of power curves, and EA FC 25 Coins investing time and resources into Evolutions and SBCs.

Whether you're grinding Weekend League or flexing your squad in Rivals, here's a comprehensive look at how to build the first 98-rated Ultimate Team in FC 25.

1. Understanding the Path to 98 Rating
The overall team rating in Ultimate Team is calculated based on the starting XI, the bench, and the chemistry of the players involved. To reach a 98-rated team, all 11 starters must be close to or at 98+ overall, with a similarly stacked bench. Additionally, you must maximize chemistry to get the best out of your top-tier cards.

With the introduction of FUTTIES, Evolutions, and Icon upgrades, FC 25 gives players more tools than ever to push ratings higher than what was previously achievable during the core cycle.

2. Key Components of a 98-Rated Squad
A. High-Rated Cards (97-99 OVR)
To build a 98-rated squad, the majority of your lineup should consist of 97 to 99-rated players. The FUTTIES promo in FC 25 delivers many of these cards, with pink-themed endgame items for meta favorites and fan-favorite players. Look for:

FUTTIES Messi (99 OVR)

FUTTIES Ronaldo (99 OVR)

FUTTIES Jude Bellingham (98 OVR)

TOTS Mbappé (98 OVR)

FUTTIES Vinícius Jr. (99 OVR)

Also include Perfect Chemistry Icons like Zinedine Zidane, Ronaldinho, or Gullit, who offer links to any player and help unlock full chemistry.

B. Using Evolutions Wisely
In FC 25, Evolutions allow you to transform low-rated cards into high-end players. Several community members have turned silver or gold cards into 95+ rated monsters by carefully using Evolutions slots throughout the cycle.

Some of the best evolution targets that can help your 98-rated squad:

Evo’d Youssoufa Moukoko – 95+ striker

Evo’d Arda Güler – 96+ CAM

Evo’d RB options like Frimpong or Gusto – pacey and high-rated

Plan your evolution pathway to ensure the final product fits your team rating and chemistry requirements.

3. Best Formations for Squad Rating
Certain formations make it easier to hit 98 overall due to the distribution of player ratings. For example:

4-2-3-1 (Wide) – Utilizes 5 attacking players and two CMs/CDMs to slot in top-rated midfielders and attackers.

4-3-2-1 – A narrow meta formation that supports high-rated CAMs and wingers with solid backline chemistry.

Avoid using formations with wing-backs or many CDMs unless your player pool fits that mold. Most top-rated cards in FC 25 are wingers, CAMs, or strikers.

4. Building Chemistry Efficiently
Chemistry remains a critical factor for maximizing ratings in FC 25. Here’s how to stay on top of it:

Use Icons and FUT Heroes with club and league links to bridge players.

Stack players from the same league or nation (e.g., La Liga Spanish squad with FUTTIES Pedri, Bellingham, and Vinícius Jr.)

Use Position Change Items to play players in their optimal roles and get maximum points.

Prioritize Manager Boosts and loyalty chemistry to squeeze out extra points.

Achieving 33/33 chemistry is essential to extract every stat boost for your 98-rated dream team.

5. Maxing Out the Bench
The bench matters significantly in rating calculations. Use the highest rated cards possible, ideally 97+ overall:

TOTS Goalkeepers (e.g., Courtois, Donnarumma)

FUTTIES Defenders (e.g., Theo Hernández, Kyle Walker)

Super subs like 99-rated CR7 or Haaland

Avoid filling the bench with special low-rated cards like SBC fodder or untradeable objectives unless they’re 95+ OVR.

6. Smart SBC & Pack Strategy
To build a 98-rated team, you must grind SBCs relentlessly. Here’s how:

Prioritize Premium Upgrade SBCs during FUTTIES and TOTS for constant pack openings.

Monitor new player SBCs and complete them immediately if they’re rated 97+ and meta-viable.

Use League Upgrade SBCs to target specific leagues that contain many high-rated cards.

Always recycle duplicate untradeables into high-value SBCs like FUTTIES Player Picks.

Daily and weekly objectives also provide extra packs and Evolutions tokens, so don’t ignore them.

7. Coin Investment Tips
To sustain a 98-rated squad, you’ll need millions of coins. Consider these money-making strategies:

Invest in fodder before major SBC drops (84-91 rated).

Trade during content drops (Thursday/Friday) to flip meta players for profit.

Sniping and mass bidding on Evolutions targets during market dips.

Use MMO services responsibly if you’re seeking a shortcut to acquire high-end players (always check for reputable sellers).

Conclusion
Constructing a 98-rated Ultimate Team in FC 25 isn’t for the faint of heart – it takes precision, planning, and persistence. Between FUTTIES releases, SBC grinds, and Evolutions power-ups, the tools are all there for dedicated players to assemble the most elite squad possible.

If you follow the roadmap above – smart investments, consistent SBC completion, meta-focused squad building, and chemistry mastery – you’ll not only join buy EA FC 25 Coins the elite few who reach 98 OVR, but you’ll also dominate the pitch with an unstoppable lineup.

Now go out there and build greatness – your 98-rated dream squad awaits.
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