Which leads to: https://support.apple.com/en-us/HT203905 " 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."

I've always end up back in UX loops wanting my credit card since I seem to need a new version that is free but in the app store to get security updates..

Its a weird secret option, but here's how you do it (I used to work for them.)

Make an account - does not require payment option

Buy a FREE app in the store

None will be a payment option as one of the possible credit cards (as you dont have to pay for a free thing)

You don't need to use the App Store to get security updates.

They have been always been available for download from the Apple site:

https://support.apple.com/en-au/HT201222