FHC 27 PTC guide

What a PTC is

A Player Trade Challenge, or PTC, asks for a set number of cards that meet a list of requirements, and pays a reward when you trade them in. 131 are recorded here, from 1 cards to 11, and 114 of them set an average rating as well.

Some are permanent, some can be done again and again, some reset every day or week, and some are only open until a closing date. Many come in groups: complete every challenge in a group and the group pays a reward of its own on top.

The average rating

"Average Rating must be at least 81" is a total to reach, not a rating every card needs. The game compares the average it shows you, rounded to a whole number, so Hero Career #1, 11 cards at an average of 81, is cleared by 886 total OVR rather than the 891 that 11 × 81 suggests.

Because it is a total, one high card can carry several cheaper ones. The PTC Solver works out what average the slots left still need as you place each card.

Every requirement

Each challenge lists its requirements in the words below. Where a row asks for more than one card, such as two Cornerbacks, that many of your cards have to meet it.

• Average ratingAverage Rating must be at least 81

  114 challenges ask for it, for example Hero Career #1.

• PositionPosition must be Quarterback

  90 challenges ask for it, for example Hero Career #1.

• Quality / card typeQuality must be Silver

  28 challenges ask for it, for example Beginner 2.

• CityCity must be Music City

  21 challenges ask for it, for example Player of the Month October #1.

• Special setRarity must be Team of the Week

  2 challenges ask for it, for example Rarities PTC #2.

• LineLine must be Defense

  7 challenges ask for it, for example Newcomer 3.

• Specific playerMust include Carnell Tate Player of the Month

  14 challenges ask for it, for example Player of the Month October #2.

• Maximum OVROVR must be at most 70

  1 challenge asks for it, for example Star Player PTC #2.

• Average weightAverage weight must be at least 300

  2 challenges ask for it, for example Intermediate 1. A card does not show this, so check it in game before you trade.

• Average ageAverage Age must be at least 26

  2 challenges ask for it, for example Advanced 1. A card does not show this, so check it in game before you trade.

• Average heightAverage Height must be at least 72

  2 challenges ask for it, for example Newsflash #3. A card does not show this, so check it in game before you trade.

• Maximum ageAge must be at most 25

  2 challenges ask for it, for example Weekly PTC #001. A card does not show this, so check it in game before you trade.

• Minimum ageAge must be at least 30

  1 challenge asks for it, for example Weekly PTC #004. A card does not show this, so check it in game before you trade.

Groups and rewards

Progressive groups

• Newcomer3 challenges · pays 68+ Silver Pack
• Beginner3 challenges · pays 83+ Gold Elite Pack
• Intermediate3 challenges · pays 85 Jeremiah Owusu-Koramoah
• Advanced3 challenges · pays 87 Colston Loveland
• Expert3 challenges · pays 88 Charles Omenihu
• Master3 challenges · pays 89 Breece Hall
• Elite3 challenges · pays 90 Kamren Kinchens
• Hero3 challenges · pays 91 Erik McCoy
• Legend3 challenges · pays 92 Ka'imi Fairbairn
• Platinum3 challenges · pays 93 Chris Lindstrom
• Mythic3 challenges · pays 94 Pat Surtain II

Tiered groups

• Tier 92 challenges · pays 83 Jaylinn Hawkins
• Tier 82 challenges · pays 84 Spencer Brown
• Tier 72 challenges · pays 85 Jack Fox
• Tier 63 challenges · pays 86 Jaycee Horn
• Tier 53 challenges · pays 87 Malik Nabers
• Tier 44 challenges · pays 88 Jonathan Allen
• Tier 34 challenges · pays 90 Trevor Lawrence
• Tier 24 challenges · pays 92 Nick Bosa
• Tier 14 challenges · pays 94 Travis Kelce

Player of the Month

• Halloween3 challenges · pays 88 Damar Hamlin
• Player of the Month October5 challenges · pays 89 Carnell Tate
• Halloween Eventshop2 challenges · pays 89 Christian Darrisaw
• Thanksgiving Eventshop2 challenges · pays 90 Arik Armstead
• Player of the Month November5 challenges · pays 91 Dillon Thieneman

Not in a group

• Repeatable6 challenges
• Daily and weekly14 challenges
• Live right now4 challenges

Strategy

• The average rating trap, and how to beat itAn 82 average on an 11-card challenge is not "put an 82 in every slot". It is a total OVR budget of 897 — five points below the multiplication almost everyone does — and once you see it that way, the cheap builds appear.
• Rarity runs: what actually counts as GoldA card’s metal follows its OVR: 64 and below is Bronze, 65 to 74 Silver, 75 to 84 Gold and 85 up Rare Gold. Special-set cards sit in the same bands by rating, and which edge of a band to sit on depends on the average the challenge asks for.
• When position requirements fight each otherEvery card plays exactly one position, so on most eleven-card PTCs the positions use up every slot. City, rarity and named-player requirements never take a slot of their own: they ride on cards that are already filling one.
• Anchor builds explainedAn anchor build puts one high card down first so the rest of the challenge can sit lower. It pays when the anchor is a card you already own or one the challenge forces on you, and rarely when you buy it to save on filler.