I need either BCH or XMR. I'd like to pay with either my card or a prepaid card, but I don't have a license so I can't use coinbase (though I do have a passport card and permit). Transfers that take a few days like mail aren't an option. I'd also like to avoid low transfer rates (not too impressed with what I'm seeing on localmonero/paxful currently) and transaction fees (BTC). The only good offers I see on localmonero are ones with a fairly small amount of reviews, and there's nothing nearby me on localbitcoincash, nor anyone doing escrow with USD. Other coins like litecoin could work too, as I can always use a transfer service.
Are there any other options for me? Or should I just accept I'm going to have to pay quite a bit extra in overhead if I can't use coinbase?
Wirexapp.com or binance.com