Yes, we require a card when you sign up for the service, but don't worry the first month is free for new month-to-month members. After 30 days of using our service you'll be billed once a month on the date that you originally signed up. If you decide Living Scriptures isn't for you, you have the option to cancel anytime. New customers that choose to prepay annually will be charged at the time of purchase, but you will not be billed again until the service renews in 13 months (your free month is added into the plan).