Quiet good comparison here. I guess Exmo and bitpanda looks just perfect here. Though these exchangers are not that popular currently but their fees are much more competiitve as compared to others.

Binance is will be launching their credit card now, heard this from one of the discussion earlier, so there could be chance they will put-forth 0% fee structure.

I am speculating that one since Binance is giant market and they might handle the fees on their own. You might wanna keep an eye on the Binance CC for that matter.