The monetization model of competitive mobile games has always been a highly controversial topic.

At the absolute highest levels of play, having a fully maxed-out account is an unspoken, mandatory requirement.
The Journey of a Free Player
Despite the advantages of spending money, it is entirely possible to reach the top arenas as a free-to-play user.

It forces you to play perfectly, tracking their resources and punishing their overconfident mistakes relentlessly.
Don't tilt when math beats your skill.Focus on common and rare cards.Learn every micro-interaction. Pay-to-Progress Mechanics
Technically, most titles in this genre use a 'pay-to-progress' model rather than strict 'pay-to-win'.

In tournament-standard modes where all card levels are equalized, skill is the only deciding factor.
User CategoryBenefitDrawbackHeavy SpenderHas access to every possible meta deck variationMay struggle in level-capped tournamentsGrinderDevelops incredibly sharp mechanics out of necessityHighly vulnerable to major balance changes Conclusion on Monetization
But if you simply want to enjoy highly competitive, skill-based matches, the free-to-play path is incredibly rewarding.

Focus on your own improvement, ignore the opponent's card levels, and play the best game you possibly can.

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