What's the diffence between T-Moble and Sim Free

Is it just with sim card and without sim card only?
Is it the same iphone?

Contract free versus SIM free are different. What you want to do is to wait for Apple to sell the SIM free version of the iPhone 6 if you want to take it for use outside the US.
See this explanation from the Apple 5S page that details this...
If you buy iPhone for T-Mobile, it will arrive with a nano-SIM card already installed that you can activate by visiting an Apple Retail Store or a T-Mobile store or by calling T-Mobile. If you buy a SIM-free iPhone, you will need to purchase a GSM-compatible nano-SIM card separately. In the United States, you can purchase such a SIM from AT&T or T-Mobile. When you travel internationally, you can use a nano-SIM card for iPhone 5s from a local GSM carrier.
Also be aware warranty service is country specific. So if you buy a phone in the US and it develops problems you would need to return it for service in the US...
Historically I believe its been 2-4 months after the release of the provider locked versions that Apple starts selling SIM free iPhones. You just have to be patient. Personally I am also waiting for Apple to release a truly unlocked SIM free device before I upgrade one of our iPhones.

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