5-star characters are the rarest ones you can find in Persona 5 The Phantom X, and you can get up to two of them for free (and without having to rely on your luck).
While you can grind and earn resources to unlock contracts, it takes a significant amount of time if you're playing free-to-play. Your best source of a guaranteed 5-star is in the form of Plans and the Beginner's Banner. If you manage to complete Lufel's Business Plan 1, you can pick one of three characters: Ann Tamamaki, Ryuji Sakamoto, and Morgana.
