There are are no other fees for holding crypto, you only pay when you move it from one place to another, those fees change depending on time of day/week as well. Though some services (like coincards) may take additional processing fees.

A credit card, in the US, has a transaction fee for the vendor, 1-3% of the purchase price, sometimes with a flat few cents fee on top.

The consumer has no transaction fee, but does pay interest (around 28% annually) if they don't pay off the full balance every month (if they do pay it in full at the end of the month, there is no interest charge). Usually there will be a 1-2% cash back for the consumer as well.

Some credit cards also have an annual fee for the consumer. These generally have higher cash back rewards and higher vendor transaction fees than those that don't.

The merchant pays the fee. With cryptocurrencies, the consumer pays the fee. Some sites offer a discount for paying with cryptocurrency as a result. For example, most precious metals dealers who accept Bitcoin offer a 3% discount for using it.