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The good news is that when it comes to credit cards offering balance transfer promotions, you have a lot to choose from whether you're looking to transfer a balance from a h e b card or another credit card. These offers typically give new cardholders a 0% APR for a limited period of time whether that is 6 months, 12 months or more. These offers usually come along with a fee that's in 3% range, but even with these fee's these offers can be lucrative if handled wisely and balances are paid down or off during the promotional period.

On the other hand people can also look for cards offering a low APR, so that they save money on interest rates for the long term. Also along with low and 0% offers some general rewards cards come with a wide range of benefits and perks, while also letting people redeem rewards for cash back, trips merchandise, gift cards, and other things.