A free account — email, Google or Facebook — puts you on the Ambassador plan: a monthly allowance of generations, but a much smaller monthly download allowance, MP3 only, and a track length you cannot change, because the Duration field is locked behind an "Upgrade to edit" note. Downloads, not generations, are what you run out of first. Mubert's pricing page calls this plan Ambassador and its licence page calls it Free; they appear to be the same plan. Its public pages also don't make clear whether you can generate a track before signing in — you certainly need a free account to download one. Mubert's terms require account holders to be 18, or to have a parent's permission.
The free plan is not licensed for anything you earn from, and it may not be silent either. Mubert's plan-comparison table lists an audible watermark on Ambassador downloads and its Terms of Use describe free tracks as watermark-protected, although its FAQ says the watermark is removed once you download — so treat a free download as marked until you can hear otherwise. Crediting is not optional: the FAQ calls it obligatory.
Where the money line falls depends on what the music is *for*, not how much you make. Creator adds higher-quality WAV files, tracks up to 25 minutes and promoted or boosted posts. Pro is the first plan cleared for a monetised channel, digital ads and commercial content. Business, the top plan, covers client and agency work, apps, games and sub-licensing. Annual billing currently costs less per month, and current prices are on its Launchpad page. Nothing on the public pricing page suggests the free plan asks for a card, though Mubert doesn't say so outright.
Paid plans renew automatically until you cancel them in My Profile, and Mubert's terms say payments are non-refundable because the music is delivered immediately. Card only — Visa, MasterCard or American Express; PayPal isn't supported.