Have you visited Binance. Where to buy crypto with master card, visa, or by p2p. Perhaps many other exchanges can also buy crypto with a master card, or by means of a bank transfer.
If I'm not mistaken, binance doesn't provide all of their services to customers in the US, they may only provide service to certain states or not at all. I can't remember exactly, but I believe that's why the OP doesn't use Binance and raises the question here. You should do your research before giving any advice.