You might not be able to see or select the None payment option for one of these reasons. If you don't want to use a credit card, you can use another form of payment, such as a gift card.
If you have an unpaid balance or payment due
You can't select None as your payment type until you pay your balance. To see which order you need to pay for, view your purchase history on a Mac or PC. When you sign in to the store, you might see a message that there was a billing issue with your last order. Click the Billing Info button to see the order.
After you pay for the order, you can change your payment information to None.
If you're using the iTunes Store or App Store for the first time
If you're using the store for the first time with an existing Apple ID, you must provide a payment method. After you create the account, you can change your payment information to None.
If you're creating a new Apple ID, you might be able to create an account without entering your credit card details.
If you changed your country or region
When you change the country or region of an existing Apple ID, you must provide a payment method and update your billing options. If you want to remove your payment method after you change the country or region, you can change your payment information to None.
If you're a part of Family Sharing
When you set up Family Sharing, the family organizer must provide a payment method. If your family includes a child account, the family organizer must use a credit card as the payment method. This payment method will be used for all purchases initiated by family members and can only be changed by the family organizer.