Umm, yes, yes you do. As of iTunes 6 I believe you can not create and iTunes account without a credit card. You also can not get cover flow without an account, which is the only reason why I signed up for one.You don't need a credit card to have an iTunes account.
You may have to be there so you can get a credit check doneIf I send someone with cash to buy one for me at an ATT/Cingular store (what a nice friend, right?!) will that be ok, do you think? Because I can activate it at home through iTunes. Will they want my iTunes account info at the store or will my friend just be able to hand over the cash and get the phone?