I understand that Coinbase requires either a bank account connection or a 3% fee for depositing using credit card (I think so, anyway?). But could I buy my first bitcoin from someplace that doesn't require bank account information and does not charge more than a 1% fee to buy bitcoin? I have looked at localbitcoins but the fees are too high. FWIW, I am in the United States.
Any thoughts would be appreciated, thanks!