I get the feeling you're after a low priced account, as you see that your needs are low. Sadly, prices in the hosting industry can't really be in linearity with the account size. There are costs that remain roughly the same, no matter the account size.
Most hosting companies would be able to accept cards and not just Paypal. Maybe the ones you had your eyes on were very new hosts?
The advaced search feature at hostsearch.com and findmyhosting.com should help you find packages of the size you're after. Come back and do your research on any company that interests you.
Hosts run by teens normally take PayPal, Nochex etc, some if lucky manage to get a 2Co account. :p
█ Cyber Host Pro Ltd- over 10 years in the UK hosting industry.
█ Website Hosting | Reseller Hosting | Cloud VPS Servers | Dedicated Servers
★ WhiteLabel OnAPP Cloud VPS Reseller Program, Failover, 10Gbit SFP+ Dual SAN storage with Cpanel, Plesk & Windows server. www.cyberhostpro.com - UK Call Centre + 24x7 Online Chat