Q: can I set up an Apple Music family Plan without a credit card on file?

Purchases from iTunes AND Apple Music Subscriptions will use the credit balance on your account first and will not charge your card unless there is not enough credit balance in your account to cover the charge.

If you want to know how to set up an account without a credit card, then read this Apple Knowledge Base Article....

Create an iTunes Store, App Store, or iBooks Store account without a credit card or other payment method - Apple Suppor…