REST API Best practice ? return Empty object vs no object

let's say i have an API that returns users wallet balance and List of wallet transactions which is going to expiry

response = {
   user_balance: 20
   expiring_credits : [
     {object 1 }
     {object 2}
   ]
}

in case if user dont have any expiring transactions we can format respose in 2 ways option 1

 response = {
   user_balance: 20
 }

option 2

  response = {
    user_balance: 20
    expiring_credits : []
  }

which is the ideal option or best practices? and why? looking for some expert insights. many thanks.

from REST API Best practice ? return Empty object vs no object