so, the answers to your question is
yes, you can use a credit card (incl. VISA) to pay using paypal, but in order to set up a paypal account, you need to link to a bank account. Is it worth it to open another bank account just for this? I haven't had any problems with paypal and find it extremely useful for all kinds of transactions.
Oh, and you can use just the basic membership to pay by credit card, you don't need a premier membership. You only need the higher membership (which charges you a 3% commission) only if you want to receive credit card payments. Pretty fair for the average user, I'd say.