Price is pretty fair where you should pay 3$ for the Virtual card or 17$ for the Physical one. If I understood your question right that's the only solution I can think of.
but if OP's bank accepting any payment which made from visa or mastercard ,i think this one could be the solution,even the fee just get down a little
Many people in countries other than the USA have a large number of options and most of them are discussed right here on the forum. What people in the USA forget is that still, at this moment, in most states, many exchanges can transfer to various FIAT modes. It just needs the proper verification.