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 Free-to-Play Grind
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.
Accept that you will lose to overleveled players occasionally.Avoid decks with four or more legendaries.Knowledge is your greatest weapon against whales. 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.
Player TypeBenefitDrawbackThe WhaleCan max out any new card instantly on release dayMay struggle in level-capped tournamentsFree PlayerDevelops incredibly sharp mechanics out of necessityLocked into playing only one or two decks for years The Final Verdict
If your goal is to be the number one player in the world on the standard ladder, you will likely need to spend money.

Ultimately, a maxed-out bad player will always lose to a highly skilled veteran, regardless of the money spent.

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