I actually played that. My friend had it and kept insisting it was the best thing since sliced bread. But it was really poor in my opinion. The idea of a strategy phantasy star game didn't seem too bad, but then I played it. Mostly vs.
There were like 2 kinds of characters. The ones that were basically just the leader by themselves, but they could use cards to wear better equipment and were extremely strong, I vaguely recall they were supposed to represent the group the PCs were in in PSO. Then there were the other guys, they could use cards to summon monsters nearby them, and they had those fight instead. They themselves could also fight, but was nowhere near the power of a lone leader of the other group because they could not use equipment cards.
The monster summoning player basically dominated in vs. In chokepoint maps they would usually win because the hero type had to mow through a 3 tile thick mass of mobs to get to the summoner and they were usually placed intelligently to deal out half a dozen attacks per turn. In wide open maps the hero type player would very quickly run out of breathing room and get surrounded and slowly beat to death. Yea they were much stronger than those 6 boomas volfu and ivys, but when one fell the summoner would just summon another from well out of range of danger, and their monster supply was effectively unlimited.
Terribly balanced in vs, but I can't speak much for story mode.