JotForm is a free online form builder which helps you create online forms without writing a single line of code. No sign-up required.
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It is possible with Jotform to Hide/Show form fields using conditions. Here is a useful guide for working with JotForm conditional logic: Smart-Forms-Using-Conditional-Logic.
I presume you mean the 'Authorize.net' integration tool by credit card widget? please correct me if I'm wrong. If it is the case, depending of what you are charging for it might not be convenient to hide it since the field will also contain the products.
If you are referring to something else please let us know and we will assist you with it.