I cant download free apps with out a payment option

See this Apple article: If you can’t download or update apps on your iPhone or iPad

If you can’t download or update apps on your iPhone or iPad – Apple Support (UK)

See point 3 -> You may need to have a payment method on file, even if the app you want to download is free. Check which payment method you have on file

See also the following Apple articles:

Add money to your Apple ID balance

Add money to your Apple ID balance – Apple Support (UK)

Payment methods you can use with your Apple ID

Payment methods you can use with your Apple ID – Apple Support (UK)

Is it free or does it show it has In-App Purchases?