Notes App with Transcription

This might be a stupid question but when looking for a notes app that can handle dictation/transcription, am I looking for something with AI? I'm going through the list provided by the sub and I saw that Apple Notes has AI integration. I've used the dictation tool for Notes and sometimes it's great and other times it's useless. I'm looking for a free app similar to Apple Notes where I can dictate or it can transcribe for me. My Notes app likes to freeze on my laptop and it's getting annoying. TIA.