Need for Speed Payback (PS4) - Fastest way to Farm/Grind Money, Speed Cards, & Reputation Points

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Hey guys, it’s Rubhen here bringing you another Need for Speed Payback Video. This time it’s to give some tips on an easy, efficient, and fast farming/grinding method in order to get lots of Money, Speed Cards, and Reputation Points, which are considered as experience points to level up your driver level in the game.

First you will have to Finish the Highway Heist Main Mission, which involves your crew stealing the Koenigsegg Regera from the truck in the highway. Once that mission is over you get introduced to Drag, Drift, and Runner events. Make sure to buy a drift car form the drift dealership, and head to the drifting trial mission which is a tutorial. It’s in the City, bottom right of the map.

Set the game on easy, to get the target drift score easier. Setting it at Higher difficulties does not rewards you any more or less money or experience, so make it easier on yourself. This tutorial is very simple and only requires 86 000 drift points to finish. Do it a couple times to practice and you’ll make that score within the first lap.

Completing this mission by achieving the target score will net you around 118 000 Rep points, close to 7000 dollars in cash, and one speed card. This card you can apply to your car to make your car level higher, in which case you can trade or sell you old speed card. Trading gives you trade tokens which you can use as the tune up shop to get better speed cards, and of course selling the speed cards earns anywhere from 3000-5000 dollars per card. So its all up to what you need and want to farm. Also you can accept and finish the side bet at the beginning of the event to get more money.
Now you can finish this event in under 2 minutes. The best part is that you will be placed right at the start of the event, meaning you can instantly start it again and redo it to keep farming this mission for whatever you may want to farm. I spent hours looking for other missions and other ways to get everything, but this truly is the fastest in knocking out 3 things at once, Money, Speed Cards, and Reputation points.

I need to mention that Ghost Games and by virtue their Publisher EA Games have made it ludicrously annoying to get anything in the game. Every event and activity you do in the game is not balanced to give you proper rewards. Everything you earn be it money or experience is given at low amounts and this leaves a large hole in the progression system. You’ll finish a chapter in the game only to realize that the next event in the next chapter will require a car that needs to be 100 levels higher than your character. Meaning you’ll end up replaying old missions to upgrade your car, or farm for money which can buy better cars. But everything in the game is expensive to the point where you will be replaying event anywhere from 7-10 times just to amass enough money to buy a decent car that can handle a tough event. Not only that you’ll need 5 different cars for the different types of events, making the grind even longer. Also customizing each car with speed cards which can only be used for that specific car become boring and redundant, as if you want to get a new car, well you’ll have to start from scratch.

The grind in this game is real, and so I’m showing an easy and efficient way to handle that boredom and grind. Sure other events may give out more experience and money, but they may also be harder and take longer to complete. The method I’m showing involves low effort and is the most time efficient. So put on some music in the background, or even watch something on NetFlix and get to grinding, as you need a ton of Rep points to get the Top Dog Trophy for getting to Rep Level 50.


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Rubhen925 currently has 302,500 views spread across 12 videos for Need for Speed Payback. About 5 hours worth of Need for Speed Payback videos were uploaded to his channel, making up less than 0.07% of the total overall content on Rubhen925's YouTube channel.