Reaching a 98-rated Ultimate Team in FC 25 is a milestone many FUT players dream of. It represents not just skill but also mastery of squad-building, smart trading, and strategic gameplay. Whether you’re climbing the ranks in Division Rivals, conquering FUT Champions, or simply want to flex with a top-tier squad, assembling a 98-rated team requires a blend of patience, planning, and savvy decision-making.

<div> </div>
<div>This guide will walk you through the essential steps to build your first 98-rated Ultimate Team in EA FC 25, covering everything from player selection EA FC 25 Coins and chemistry to market insights and gameplay tips.</div>
<div> </div>
<div>Understanding What It Takes to Hit 98 Overall Rating</div>
<div>A 98-rated team isn&rsquo;t just about having the flashiest superstars. It&rsquo;s about combining players&rsquo; individual ratings, chemistry styles, and squad synergy to maximize your overall team rating. The overall rating is calculated based on the weighted average of the players&rsquo; ratings, factoring in their positions and chemistry.</div>
<div> </div>
<div>Key points:</div>
<div> </div>
<div>High-Rated Players: Naturally, you&rsquo;ll need a core of 90+ rated players to push your average toward 98.</div>
<div> </div>
<div>Chemistry Matters: Even the highest-rated players perform best with perfect chemistry, and boosting chemistry can subtly increase player stats.</div>
<div> </div>
<div>Balanced Formation: Choosing a formation that fits your style and the players available is crucial. It affects chemistry and overall team cohesion.</div>
<div> </div>
<div>Step 1: Choose a Formation That Maximizes Player Ratings and Chemistry</div>
<div>Popular formations like the 4-2-3-1, 4-3-3 (attack), and 3-5-2 tend to offer a good balance between defense and attack, and they also maximize the chance to build strong links between players.</div>
<div> </div>
<div>Why formation matters: It impacts which players fit into your team naturally, helping you avoid compromises on chemistry.</div>
<div> </div>
<div>Adaptability: Consider how the formation fits your playstyle and which leagues/nations you want to focus on.</div>
<div> </div>
<div>Step 2: Start With Your Core &mdash; The High-Rated Stars</div>
<div>For a 98-rated team, focus on acquiring top-tier players for your spine &mdash; goalkeeper, central defenders, central midfielders, and striker(s). These positions usually have the highest individual ratings and influence overall rating significantly.</div>
<div> </div>
<div>Target Players to Build Around:</div>
<div>Goalkeepers: Choose 90+ rated keepers with good reflexes and positioning.</div>
<div> </div>
<div>Center-Backs: Opt for defenders rated 90+ with strong physical and defensive stats.</div>
<div> </div>
<div>Central Midfielders: Look for players who combine high passing, dribbling, and physical stats.</div>
<div> </div>
<div>Strikers: Prioritize clinical finishers rated 90+ with good pace and dribbling.</div>
<div> </div>
<div>Step 3: Fill Out the Squad With Complementary Players</div>
<div>After securing your core, fill the flanks and other positions with players that either have similarly high ratings or offer chemistry links that boost your team&rsquo;s overall chemistry and rating.</div>
<div> </div>
<div>Wingbacks/Wingers: Players with good pace, crossing, and dribbling who fit your formation.</div>
<div> </div>
<div>Fullbacks: Solid defenders with the ability to support the attack.</div>
<div> </div>
<div>Substitutes and Reserves: Don&rsquo;t neglect this! High-rated subs can provide crucial chemistry boosts and tactical flexibility.</div>
<div> </div>
<div>Step 4: Build Strong Chemistry Links</div>
<div>Chemistry boosts individual player stats and can push overall team rating higher. To hit 98, aim for:</div>
<div> </div>
<div>Perfect Chemistry (10) for all starters</div>
<div> </div>
<div>Strong Links from players sharing nationality, club, or league</div>
<div> </div>
<div>Manager and Stadium Bonuses that align with your squad&rsquo;s nationality and league</div>
<div> </div>
<div>Example: If your core is a mix of Premier League players and La Liga stars, try to build clusters of players from each league to ensure strong links.</div>
<div> </div>
<div>Step 5: Use Chemistry Styles to Maximize Player Performance</div>
<div>Chemistry Styles can enhance key attributes like pace, shooting, or passing, turning good players into elite performers.</div>
<div> </div>
<div>Recommended Chemistry Styles for a 98-Rated Team:</div>
<div> </div>
<div>Finisher for strikers to boost shooting stats</div>
<div> </div>
<div>Anchor for defenders to improve defensive and physical stats</div>
<div> </div>
<div>Maestro or Artist for creative midfielders to enhance passing and dribbling</div>
<div> </div>
<div>Glove for goalkeepers to improve diving and reflexes</div>
<div> </div>
<div>Use Chemistry Styles thoughtfully to keep your overall rating high while tailoring players to your playstyle.</div>
<div> </div>
<div>Step 6: Smart Trading and Market Strategies</div>
<div>Building a 98-rated team is as much about market savvy as gameplay skill.</div>
<div> </div>
<div>Invest in FUT Market Trends: Monitor player prices, especially for high-rated cards that might fluctuate due to promos or SBCs.</div>
<div> </div>
<div>Flip Players During Peak Times: Buy low during off-hours and sell high during weekends or after major events.</div>
<div> </div>
<div>Capitalize on SBCs and Events: Use Squad Building Challenges to obtain valuable rewards and players that may otherwise be expensive.</div>
<div> </div>
<div>Be Patient: Rushing the market often leads to overpaying. Watch the market and make calculated investments.</div>
<div> </div>
<div>Step 7: Play to Your Strengths With the Team</div>
<div>Even with a 98-rated squad, gameplay remains key.</div>
<div> </div>
<div>Practice Skill Moves and Tactics: Learn how to break down defenses and maintain possession.</div>
<div> </div>
<div>Manage Player Fitness and Chemistry in Match: Rotate players as needed and make tactical adjustments.</div>
<div> </div>
<div>Adapt to Opponents: Change formation or player instructions mid-game to exploit weaknesses.</div>
<div> </div>
<div> </div>
<div>This lineup focuses on Premier League and La Liga players, maximizing chemistry links, with all players having high ratings. Chemistry styles complement their roles to boost key stats.</div>
<div> </div>
<div>Final Tips for Maintaining a 98-Rated Team</div>
<div>Stay Updated on Meta Changes: EA Sports frequently adjusts player ratings and game mechanics, so keep an eye on patches.</div>
<div> </div>
<div>Engage with Community Content: Watch top players&rsquo; streams, read forums, and learn from the best strategies.</div>
<div> </div>
<div>Manage Your Budget: High-rated players cost coins, so balance your investments between starters and squad depth.</div>
<div> </div>
<div>Use FUT Champions and Weekend League: Playing consistently at a high level rewards you with coins and packs to improve your squad.</div>
<div> </div>
<div>Conclusion</div>
<div>Building your first 98-rated Ultimate Team in FC 25 is a thrilling challenge that combines squad-building finesse, market acumen, and on-field skill. By carefully selecting your core players, maximizing chemistry, and leveraging the market wisely, you can construct a team that not only looks amazing but also dominates on the pitch.</div>
<div> </div>


Take your time, stay patient, and enjoy the Fut Coins journey toward that coveted 98 overall rating. Your dream Ultimate Team is just a few smart decisions away.