Free to use with a sign-up (email, Google, or Apple) — no card required. First step: go to chat.openai.com, sign up free, and you're in.
Will you need to pay? The free tier is plenty for casual use — learning, drafting, brainstorming. You'd only pay (Plus, currently $20/month) if you want the best models reliably or hit the limits often. Paying buys better models, not more privacy.
The free tier has usage limits that reset on a rolling few-hour window. When you hit them, ChatGPT quietly swaps you to a smaller, faster model (the AI "brain" doing the work — there are smarter-but-slower and faster-but-simpler ones). Answers get noticeably shallower with no big warning; if a reply suddenly feels worse, that's usually why. Limits also tighten when OpenAI is busy.
Image generation has its own separate, tighter limit than text — often just a couple a day on the free tier, on a rolling window. You can run out of images while text still works fine, which catches people off guard.