“No card” and “no cost” are different promises
A provider that asks for no card cannot bill you, so the worst case is a refused request. A provider that asks for a card and grants credits, as Cerebras does with its $5 trial, can start charging when the credits end or expire. Read which of the two you are signing up for.
What happens at the limit
Past a free allowance you need a paid plan or purchased credits. Cloudflare requires the Workers Paid plan above 10,000 Neurons a day. Hugging Face requires a credits purchase after the monthly $0.10. On OpenRouter, buying 10 credits once lifts the daily ceiling of free models from 50 to 1,000 requests.
A phone number or an existing account may still be required
“No card” says nothing about other checks. The Gemini API needs a Google account and is offered only in the countries Google lists, to people aged 18 or over. NVIDIA NIM requires joining the NVIDIA Developer Program. See commercial use for what you may build once you are in.