You need all the following colored cards in order to unlock this achievement:
Gold
Emerald
Sapphire
Ruby
Amethyst
Heat Check
Diamond
Pink Diamond (95-96 OVR)
Galaxy Opal (97-98 OVR)
Dark Matter (99 OVR)
Dark Matter cards are usually the hardest and most expensive to get when they first are released (which as of 2/23/22, there's 3 available in packs and 1 available if you collect over 3000 cards). However, over time more and more will be obtainable, whether it's through packs or in game challenges or locker codes.
EDIT: Season 5 has packs with Dark Matter cards and the Level 40 reward is a dark matter card.
Quick note if you are already going for the achievements in both games:
If you obtain a Dark Matter card (or any 1 type of card that you're missing) on the Xbox Series X/S version, you'll unlock the achievement there but it will not auto unlock on the Xbox One version. If you want to unlock the achievement on the Xbox One version as well, move the card out of your collection to your auctions on the XBX/S version. Then, load up the Xbox One version and go back to your auctions and add the card back into your collection. The achievement should unlock then. This should also work vice versa if you get it on the XB1 first.