There are many free chat destinations online that are 100% free, but many of those require you to register and give up your email address in order to use them.
A few of the free places to enjoy sex chat without registration include Erotic Sex Chat and the Sex Chat Weblog.
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Some of the free adult chat services require a credit card, even though they claim it is only for age verification, and you will not be charged, sometimes "during free trial" in small print.
There are some good, totally free chat services that do not require a signup or email address for verification however.
Streamberry is a completely free cam to cam chat site.