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I am talking about http://www.fantasy-rivals.com , if you like cards games , give a look at this one.
The company behind this game already have alot of experience from urban rivals.
Been playing fantasy rivals for a month and it seems a very solid CCG , lots of fun, the league system is very well done, the combat system a big improvement over the old urban system rivals and there is a new quest system from which you can win new cards.
And you really can be competitive without spending money.
Now it started the open beta phase so you can join the fun also.