With all upgrades i purchased i probably spent around 200 000 or just over and used roughly 12 spins.
This was enough to push the car rating up to the speedcross maximum of 299 and make the achievement pop. Over to the Trade-In section again about 4 or 5 more spins i had 3 cards of a 14 rating. I then bought cards for each category with the highest rating. fast travel back there and see whats on offer. Went and did one Speedcross race and won a Speed Card from that.
Next went straight to Trade-In and did about 6 spins on the two categories at rating 7. I bought a card with the highest rating for each category. Go to the tune up shop and see what cards are available. Finish the speedcross races, unlock the dealership, buy any of the speedcross cars.