I like AT&T - the Go phone. You don't need to choose the go phones. Any phone AT&T sells will go with the Go Phone plan.
Check out Radio Shack. Sometimes, they have free phones.
I think they give you a few minutes to get started.
Go Phone Pay as you Go plan is very good for emergencies and occasional use. If you plan to talk more, you should look at the other plan, the Pick your Plan. There, minutes are 10 cents/min, but you get charged $1 for each day you use the phone.
You may get a few minutes, but you can buy a $15 (60 min. worth) card - good for 30 days.
A $25 (100 min.) card is good for 90 days, and is eligible for "free rollover" minutes..If you buy the new min. before the time runs out.
Bonus is that you can never overspend. Just buy new minutes when you need them.
No credit card needed on Pay as you GO. No monthly billing. Just keep buying minutes.