Ultimate Team mode in EA Sports FC 25 is more than just star power — it's about strategic squad building, chemistry linking, and getting the most out of your hard-earned coins. Whether you're grinding Division Rivals, aiming for top finishes in FUT Champs, or simply working your way up from scratch without spending real money, making wise financial decisions on the transfer market is crucial.
While some players choose to spend FIFA Points to fast-track their way to elite squads, many players prefer to work with what they earn in-game. Fortunately, not all 90+ rated cards in FC 25 come with million-coin price tags. Some high-rated cards with genuinely usable in-game stats are available for less than 25,000 coins. These budget beasts may not have the flashiest animations or dynamic images, but on the pitch, they punch well above their price tag.
Let's dive into 11 of the best under-the-radar Ultimate Team players in FC 25, all rated 90 or higher, and all within reach of a modest FUT 25 Coins budget.
11. Harry Kane (ST, 90 OVR) – Gold Rare
Price Range: 20,000 - 24,000
Club: Bayern Munich
Nationality: England
Harry Kane's Gold Rare card may not look flashy at first glance, especially with his lackluster pace, but don't let that fool you. This is a clinical striker — the kind you feed the ball to for consistent finishes inside the box.
While other versions of Kane may have better movement or special traits, this base card does the job for any budget squad. Thanks to his Premier League background and Bundesliga club, Kane offers decent chemistry flexibility. Pair him with a few English players or Bundesliga stars and you're set.
Yes, Kane won't outrun anyone, but if you have good midfielders and wingers who can supply chances, you'll find that his shooting (especially finishing and positioning) is elite-tier.
10. Erling Haaland (ST, 91 OVR) – Gold Rare
Price Range: 20,000 - 24,000
Club: Manchester City
Nationality: Norway
If Kane is your clinical finisher, Haaland is your bulldozer. He's 6'5” with 94 Sprint Speed — a terrifying combination that makes him one of the most dangerous target men in the game, especially at this price point.
He may not have the smoothest dribbling or finesse shot traits, but if you need someone to bulldoze through defenses, Haaland delivers every time. With immense strength, rapid acceleration, and powerful shooting, he's the perfect option for through balls and counterattacks.
Haaland's only real weakness is his passing game and balance, so avoid using him as a false nine — just get the ball to him and let him shoot.
9. Jhon Durán (ST, 91 OVR) – FUT Birthday
Price Range: 18,000 - 22,000
Club: Al-Nassr
Nationality: Colombia
Durán's card has a well-rounded package. He's strong, fast, skilled at dribbling, and versatile enough to play across multiple attacking roles. His FUT Birthday card turns him into a creative finisher — someone who can score goals and contribute assists with ease.
The challenge lies in linking him. His move to Al-Nassr in the Saudi Pro League hurts chemistry potential unless you're building around Colombians or other Al-Nassr players. Still, if you can make it work, Durán is a phenomenal hybrid striker with excellent heading, dribbling, and strength.
8. Evan Ndicka (CB, 91 OVR) – Team of the Season
Price Range: 16,000 - 20,000
Club: AS Roma
Nationality: Ivory Coast
Ndicka is a hidden gem for defenders. With blistering pace (Sprint Speed near 90), elite Jumping (97), and top-tier defensive awareness, this card makes him a wall at the back.
What makes Ndicka stand out even more is his dribbling and ball control stats, which are shockingly good for a CB. This allows you to build from the back, trust him in tight spaces, and avoid costly turnovers.
If you're building a Serie A squad, Ndicka is one of the most undervalued center backs you can find.
7. Pedro (RW, 91 OVR) – UEL Dreamchasers
Price Range: 18,000 - 22,000
Club: Lazio
Nationality: Spain
Pedro is one of those players who gets better with age. His Dreamchasers version is a four-star monster, boasting 90+ ratings in shooting, passing, dribbling, and pace. On the wing, he can create chances, curl in shots from range (96 Long Shots), and provide rapid counter-attack transitions.
While Pedro isn't a flashy skiller, his vision and agility make him lethal in tight spaces. Additionally, with Spanish nationality and Serie A experience, it's easy to integrate him into multiple squad builds.
6. Nico Schlotterbeck (CB, 92 OVR) – UCL Dreamchasers
Price Range: 16,000 - 20,000
Club: Borussia Dortmund
Nationality: Germany
Schlotterbeck is the complete modern CB: Tall, strong, fast, and dominant in the air. With 98 Jumping and 92 Heading Accuracy, he's a threat on corners and set pieces as much as he is in defending them.
His Dreamchasers card also brings amazing defensive positioning, high strength, and a surprising level of agility for a tall defener. If you're using a Bundesliga squad or German nation-based hybrid, Schlotterbeck is a must-have defender.
5. Amir Rrahmani (CB, 92 OVR) – Team of the Season
Price Range: 16,000 - 20,000
Club: Napoli
Nationality: Cyprus
Rrahmani is one of the most underrated center-backs this year. The reason? His nationality. It's tough to link Cypriot players unless you're all-in on a Serie A squad, but that plays to your advantage — his price stays low.
If you're willing to commit to Napoli or Serie A, Rrahmani is the ideal last-man defender. With high-end Physical and Defensive stats, plus above-average Pace, he can easily cover fast attackers and make last-ditch tackles.
4. Kenan Yildiz (LW, 91 OVR) – Team of the Season
Price Range: 16,000 - 20,000
Club: Juventus
Nationality: Turkey
Yildiz is a breakout star for Juventus, and this TOTS card showcases what a high-potential winger looks like. With blazing speed, silky dribbling, and surprising finishing stats, Yildiz becomes a dangerous hybrid between a winger and a second striker.
You can deploy him wide to stretch defenses or play him as a RAM/LAM in narrow formations. Despite his physicality being slightly below par, his Stamina is fantastic, allowing him to run the flanks all game long.
3. Benjamin Sesko (ST, 91 OVR) – Future Stars
Price Range: 22,000 - 26,000
Club: RB Leipzig
Nationality: Slovenia
Sesko's Future Stars card brings four stats above 90, making him a beast of a striker who combines height, pace, and finishing. His chemistry might be limited — Slovenia isn't exactly chemistry heaven — but his Bundesliga link is decent enough.
He's perfect for players who want a target man with the technical ability to dribble and create. If you feed him crosses, he'll score. If you pass to his feet, he'll shoot or assist. A complete forward at a bargain.
2. Linda Caicedo (LW, 91 OVR) – Future Stars
Price Range: 17,000 - 20,000
Club: Real Madrid
Nationality: Colombia
Linda Caicedo is one of the most electrifying female players in FC 25 Ultimate Team. With blistering speed, high-tier dribbling, and near-perfect passing stats, she brings instant explosiveness to any attack.
Though her shooting is slightly behind her passing, she's still more than capable of scoring when cutting inside. Her weakness lies in physical battles — don't expect her to win headers or body defenders off the ball — but she more than makes up for it with flair and creativity.
Ideal for hybrid squads that need a La Liga winger with incredible upside.
1. Marcus Thuram (ST, 92 OVR) – FUT Birthday
Price Range: 21,000 - 26,000
Club: Inter Milan
Nationality: France
Thuram is the king of budget beasts. With Jumping 99 and Heading Accuracy 94, he's arguably the most reliable aerial scorer under 25K. But don't pigeonhole him as just a target man — his pace, shooting, and physicality are all excellent.
Thuram is strong, fast, and clinical, making him perfect for any style — crosses, through balls, counter-attacks, or possession play. FUT Birthday also grants him additional playstyles, which make him feel better on the ball and more responsive.
Being French also gives him amazing hybrid potential for chemistry. Whether it's Ligue 1, Serie A, or full-France squads, Thuram fits in seamlessly.
Final Thoughts: Building Smart, Not Flashy
You don't need to break the bank to build a competitive squad in FC 25. With smart investments, you can field multiple 90+ rated players for less than the cost of a single ICON or TOTW superstar.
These 11 underrated stars are proof that coins don't always equal quality, and with just a little scouting and savvy buying, you can create a squad that competes against the best.
If you're low on FC 25 coins, prioritize players that fit your squad's chemistry, and then look at how you can complement them with budget monsters like those listed above. With the right tactics, you'll be climbing the FUT ranks in no time, without ever spending a cent of real money.