Exchanges will generally charge a credit card fee to buy crypto because credit card issuers charge a processing fee for every credit card transaction, including crypto purchases. These fees can vary a lot based on the issuer -- and even based on the specific card -- but they average around 2% of the transaction amount.
Fees for Crypto Trading\n\n Buying with a credit or a debit card will have a 2.99% fee, and if you exchange crypto within your account, the transaction will be free.