Complete guide to FIFA 21 What If SBC: Requirements, cost-saving strategies, and player tips
What If SBC Overview
FIFA 21’s latest Squad Building Challenge offers discounted access to coveted What If cards through a limited-time SBC.
Replacing anticipated Winter Refresh content, EA SPORTS introduced the innovative What If promotion where player ratings receive +2 boosts based on their real-world team performances. While market prices for these enhanced cards soar, this SBC provides a cost-effective alternative for obtaining one guaranteed What If player.
EA SportsThe dynamic rating system makes What If cards particularly valuable for squad building.
Detailed SBC Requirements
This single-squad challenge demands careful team construction with an 85+ overall rating and minimum 30 chemistry – specifications comparable to competitive FUT Champions lineups. While daunting for newer players, veterans can leverage unused high-rated cards to meet these benchmarks efficiently.
Key considerations include position flexibility (using out-of-position players with chemistry styles) and nationality/league links to satisfy chemistry requirements without compromising rating thresholds.
Cost Breakdown & Budget Solutions
FUTBin estimates 155-185k coin cost for building the squad from scratch, significantly below market prices for top What If cards. However, smart traders can reduce expenses by 30-40% through these methods:
- Utilize untradeable high-rated cards from recent rewards
- Target specific leagues/nations with cheaper high-rated options
- Time purchases during market dips (typically evenings UTC)

Remember this non-repeatable SBC disappears March 15, so plan your resource allocation accordingly if pursuing multiple promo objectives.
Advanced Player Strategies
For maximum value from this SBC, consider these professional approaches:
- Player Selection: Research upcoming fixtures of What If players – those with favorable matchups have higher upgrade potential
- Fodder Management: Combine this SBC with ongoing upgrade SBCs to maximize card value
- Risk Assessment: Evaluate whether the guaranteed card fits your squad needs before committing resources
Successful completions can be shared with @UltimateTeamUK, though remember results are final with no retry option.
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