You do not need to write code for the first hour. Signing up gets you a browser playground where you upload a recording, flip features on and off, and read the transcript on screen. Anything past that — a batch of files, an app of your own — means code. If you only want your own meetings transcribed, a meeting-notes tool does that with no code at all.
New accounts get a free credit grant with no card asked for — a one-off grant rather than a monthly allowance, which AssemblyAI's FAQ says does not expire. Everything after that is billed by the hour of audio rather than by subscription, with live transcription as someone speaks costing roughly double the flagship model's rate. Current rates are on its Launchpad page. Playground runs bill the same way.
Free accounts cannot opt out of model training. The setting that stops AssemblyAI using your files to improve its models is, by its own docs, a paid-plan feature. Evaluate with audio you would not mind a stranger reading.