As per terms, there should be no problem using Binance USA if you are NOT on the following states:

Connecticut
Hawaii
Idaho
Louisiana
New York
Texas
Vermont

https://support.binance.us/hc/en-us/articles/360046786914-States-That-Binance-US-Does-Not-Currently-Support

And if I'm not mistaken, using Credit Card to buy Bitcoin on Binance also plays around 3.5% as Coinbase.