Hey there, and welcome to Apple Support Communities, Caffrey007!
We see that you're having trouble downloading free apps while not having a payment method on file for your Apple ID account.
There are a few reasons why this might happen. Please read over this article in full for a better understanding: If you can't remove your last payment method or use no payment method with your Apple ID
Keep in mind, you can add a payment method to your Apple ID account and not worry about charges if you are only downloading free apps. You can also then try setting your payment method back to None, if that option reappears. The articles below will help you with adding a payment method:
Payment methods that you can use with your Apple ID
Change, add, or remove Apple ID payment methods
You can reach out to Apple's billing team if you continue to run into an issue with your payment options: Get Support
Cheers.