If you’re diving into College Football 26 Ultimate Team (CFB 26 UT) and aiming to build a competitive squad without spending real money, accumulating coins efficiently is crucial. As a fellow player who’s navigated the early stages, here’s a comprehensive guide to help you earn up to 100,000 coins within a week through consistent gameplay and smart strategies.
1. Solo Seasons (Freshman Level) – The Best Place to Start
Solo Seasons are one of the most beginner-friendly ways to start farming CFB 26 Coins. In this mode, you play against AI-controlled teams with adjustable difficulty. As a new player, it’s highly recommended to start at the Freshman level, where opponents are easier to beat and the quarters are shorter (typically 2-minute quarters).
Each Solo Season consists of a regular season (5 games), playoffs (2 games), and the National Championship (1 game), totaling 8 quick matches. Winning a full season at the Freshman difficulty can net you around 6,000 to 8,000 coins, depending on your playoff performance. Even if you lose in the playoffs, you’ll still receive partial rewards.
The big benefit here is efficiency—you can finish a full season in under 90 minutes, especially if you use no-huddle offense or skip celebrations and cutscenes. Plus, you’ll also earn XP for your Field Pass progression, making this mode a double win for coin farming and leveling.
Pro Tip: Don’t worry about style points—just win games fast. Use short passes or inside runs to control the clock and dominate weak AI defenses.
2. Field Pass Progression – Free Coins Just by Playing
The Field Pass system in CFB 26 functions like a free battle pass and is packed with rewards: coins, player packs, uniforms, and training items. Every time you complete objectives, you earn XP that unlocks these tiers.
Beginner objectives are typically easy, such as:
- Complete 10 passes
- Rush for 100 yards in any mode
- Win 3 solo challenges
Each level you climb on the Field Pass often rewards you with 1,000 to 3,000 coins or coin-equivalent items. Some tiers even grant player cards that can be quick-sold for coins.
This method is passive farming—you don’t need to grind anything special. Just play any mode (Solo Seasons, Challenges, etc.), and your XP will accumulate. Check the objectives menu daily and weekly to make sure you’re not missing out on tasks that could give you free rewards.
Pro Tip: Stack challenges—combine your Field Pass goals with other modes like Solo Seasons to maximize your efficiency.
3. Ultimate Team Challenges – Fast Coins with Minimal Effort
If you’re just starting out in CFB 26 Ultimate Team, head straight to the Ultimate Team 101 and 102 challenge sets. These are beginner-oriented solo events designed to teach you gameplay mechanics while rewarding you with coins and players.
Each challenge takes about 2–4 minutes, and completing all of them can earn you over 7,500 coins plus player rewards. Some challenges will have bonus objectives like “win the game without allowing a touchdown,” which can yield extra XP or minor coin bonuses.
These players aren’t always top-tier, but you can quick-sell them or use them in sets later. And because there’s no risk of losing (no coin penalty for failure), you can replay these at your own pace.
Pro Tip: Focus on the “Milestone Rewards” for completing entire challenge sequences. They often contain coin packs or special edition players you can flip for more value in the Auction House.
4. Scheme Trial Milestone Challenges – Advanced But Rewarding
Once you’re comfortable with the basics, Scheme Trial Milestone Challenges are your next step. These are more complex than the Ultimate Team 101s but offer significantly higher rewards—up to 9,000 coins plus XP and packs upon completion.
These challenges are divided into different football schemes:
- Pro Spread Offense
- Vertical Power Run
- Multiple Defense, etc.
Each trial includes a series of mini-games or scenarios where you must complete scheme-specific tasks—like scoring a touchdown using only run plays or stopping the AI from passing for over 50 yards. Completing all the trials in a scheme unlocks a Milestone Reward, which often includes a coin pack and a scheme-themed player item.
Though slightly more difficult and time-consuming (some may take 10–15 minutes), they help you improve your actual gameplay while earning coins. It’s a great way to learn advanced tactics and get paid in coins for doing it.
Pro Tip: You don’t need to complete all schemes—just focus on 1–2 that fit your personal playstyle (e.g., stick to Pro Spread if you’re a passing player).
5. Head-to-Head Seasons (H2H) – Higher Risk, Higher Reward
For players who enjoy PvP, Head-to-Head (H2H) Seasons are a great option to farm coins and test your skills. While more competitive, the rewards scale up depending on your division:
- Freshman Division: ~5,500 coins for 5 wins
- Varsity/Campus Legend Divisions: up to 12,500 coins for a full season win
Each season works just like Solo Seasons: 5 regular games, then playoffs. Even if you don’t go undefeated, every win gives a small coin payout, and playoff wins boost your earnings. Plus, playing H2H games gives XP toward the Field Pass and can help with weekly objectives like “Win 3 H2H games.”
The downside? You’ll face real players—some with stacked teams. But if you’ve built a solid squad and have some gameplay experience, this is one of the fastest coin-earning methods per hour played.
Pro Tip: Play during off-peak hours to face less experienced opponents. Also, use your best formations and master 3–4 bread-and-butter plays to stay consistent.
6. Auction House Trading – Passive Profits for Smart Players
The Auction House is a goldmine for coin farming—if you’re paying attention. Many players undervalue cards they pull from packs and list them below market value. You can buy these “flips,” then resell them at the correct price.
Here’s a basic flipping strategy for beginners:
- Search for 75–79 OVR players with a Buy Now price under market value
- Compare recent sale prices and relist slightly below the average
- Focus on popular positions like QBs and WRs (they move faster)
You can also flip training items, strategy cards, and gold uniforms. While it might only be a few hundred coins per flip, it adds up quickly—especially when you scale your efforts.
With a 10–20 minute investment daily, it’s possible to earn 5,000–10,000 coins per day without playing a single game.
Pro Tip: Use filters and save them. For example, filter by position + OVR range + team to find low-competition listings quickly.
7. Daily and Weekly Objectives – Steady Income Over Time
In CFB 26 Ultimate Team, Daily and Weekly Objectives are an often overlooked but powerful source of coins. These are small in-game tasks that reward XP, packs, and sometimes direct coin payouts. Completing them consistently not only helps you level up your Field Pass faster but also gives you a steady coin drip that adds up quickly over a week.
Here are examples of typical daily objectives:
- Rush for 100 yards in any mode
- Score 2 passing touchdowns
- Complete a Solo or H2H game
- Win 1 game with a school-themed lineup
Weekly objectives are broader and more rewarding:
- Win 10 games in any mode
- Complete 5 sets in the Item Binder
- Earn 1,000 offensive yards total
Completing all weekly objectives often gives a bonus reward—sometimes a coin pack, other times a player item you can sell or quick-sell.
Why it matters: If you do your dailies and knock out your weeklies every 7 days, you’re looking at 10,000–15,000 coins per week, just from consistent engagement. That’s without even counting Field Pass XP you gain along the way.
Pro Tip: Check your objectives before logging out each day. Knock them out with your other gameplay (e.g., combine passing yards tasks with Solo Seasons or Challenges).
8. Weekly Platinum Fantasy Pack – High-Risk, High-Reward Coin Farming
If you have some Points saved up (the game’s premium currency), the Weekly Platinum Fantasy Pack can be a lucrative option for earning coins fast. For 500 Points, this pack lets you choose one of three Platinum Player cards, each quick-sellable for coins.
The coin payout per card varies:
- Low-tier platinum: ~3,000 coins
- Mid-tier: ~10,000 coins
- High-tier elite: up to 20,000+ coins
In the best-case scenario, you’ll quadruple your investment, especially if you pull a high-value 82+ OVR player. But even in less favorable cases, the average card you get usually covers your cost or comes close.
This method is ideal for players who:
- Don’t mind spending a bit of real money on Points
- Want quick coin returns without grinding gameplay
- Enjoy a bit of RNG (luck-based) reward structure
Pro Tip: Wait until new content drops (like Team of the Week or promos), as high-tier players temporarily rise in quick-sell value.
9. Set Completion Strategy – Turn Extra Players into Coins
Another smart method to farm coins in CFB 26 Ultimate Team is by completing Sets. These are collections of player items, collectibles, or tokens that you can exchange for better players or packs. Many of these resulting rewards can be quick-sold for coins, or listed on the Auction House for profit.
Here’s how to turn Sets into a coin-making engine:
- Play Challenges to collect low-tier Gold and Silver players
- Use them to complete basic exchange sets (e.g., 5× 70–74 OVR → 1× 75–79 OVR)
- Flip the higher OVR players on the Auction House or quick-sell if their market value is low
Some Sets, like Team Builders or Campus Heroes, offer high-tier player cards. These can be worth 20,000 to 40,000+ coins depending on the current meta and demand.
This method works best if you already have a large binder of unused players or if you’re grinding content that rewards you with a lot of card drops (e.g., Challenges, Field Pass tiers).
Pro Tip: Monitor the Auction House to identify undervalued players needed for high-demand sets. You can “craft” and flip entire sets for profit.
10. Limited-Time Events and Promotions – Take Advantage of Freebies
EA frequently runs limited-time events, promos, and live content drops in CFB 26 Ultimate Team that can offer fantastic value if you’re paying attention. These include:
- Kickoff Events
- Campus Legends Promo
- Double XP Weeks
- Login Rewards (7-day or 14-day streaks)
During these events, the game often gives out free packs, player trials, or coin bonuses just for logging in or completing simple objectives. Some of these rewards are time-sensitive and can’t be obtained after the event ends, so it’s important to stay up to date.
Here’s what to watch for:
- Special Challenges that offer coin packs or limited-edition players
- Daily log-in streak bonuses (some give 5K–10K coins outright)
- Flash sales in the store where coin packs are temporarily discounted
Even if you’re not a heavy player, participating in these events for 10–15 minutes per day can yield 15,000–25,000 coins in a single week if the timing aligns.
Pro Tip: Follow official EA Sports College Football social channels or set alerts in-game to never miss a promo window. Being early often means higher coin returns.
