How to get Money, Speed Cards, and REP Fast
The quickest way to get money, Speed cards, and REP is to complete the short events. You will find that all the eventss will give almost identical rewards regardless of the difficulty setting. Just keep repeating the shortest events. The shortest event in Need for Speed: Payback is the 'Drifting The Block' drift trial which you will be able to unlock early in the game and can be completed in 90 seconds. Each time you complete it you will earn approximately 12,000 credits, 1 Speed card, and 120,000 REP.
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