There is no catch, and no risk to use Long Game! When you deposit into Long Game, you're depositing into an FDIC-insured Savings and Spending Account held by nbkc bank of Kansas City. As you meet your savings goals, fulfill missions, and use your Long Game debit card for your everyday purchases, you'll earn Coins to play games, with chances to win cash and crypto. You never lose money playing games.
Teal Rewards Members pay a nominal monthly subscription of $3/month, however there are plenty of opportunities to go free with Gold or Diamond Membership. Full details can be found here.