Do I have to sign up with a credit card?

I'm new but I don't have a credit card or bank card. Do I have to sign up with a card..I don't plan on purchasing anything but free stuff..lol

To my knowledge, no, but you do need an iTunes Store account and that requires either a payment method or that you follow a precise procedure. Take a look here:
http://support.apple.com/kb/HT2534
Read the steps carefully as the order in which you follow them is  critical. Note that you can do this only when creating a new Apple ID. You cannot use an existing ID. 
You will of course not be able to get anything other than the ad-supported version of iTunes Radio or the free apps without entering in some sort of payment method (credit card, prepaid iTunes card, gift certificate, etc.)
Regards.

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