As with most store-branded credit cards, the Prime Visa is not one of them. For a lengthy 0% intro APR period on both balance transfers and purchases, the Wells Fargo Reflect® Card is a good choice.

But the PenFed Pathfinder® Rewards Visa Signature® Card can be an exception. Despite its sticker price — a $95 annual fee — PenFed will waive that cost if you meet eligibility requirements.