Are Creative Commons works really free to use?

Yes. While many if not most CC-licensed works are available at no cost, some licensors charge for initial access to CC-licensed works—for example, by publishing CC-licensed content only to subscribers, or by charging for downloads. However, even if you have paid an access charge, once you have a copy of CC-licensed material, you may make any further uses permitted by the license without paying licensing fees.

(If you wish to make uses that are not permitted by the license—for example, making a commercial use of an NC-licensed photo—the licensor may charge for those additional rights.)