Even though there are some cash-draining credit choices out there, not all credit issuers are lying in wait for your hard-earned money. This past year, we saw some positive trends in prepaid cards, rewards programs and cash-back incentives. Perhaps next year, we'll see some more astonishing changes -- like First Premier moving off the list. But we won't hold our breath for that one.Click here to view Editor's choice awards: part one. Click here to view Editor's choice awards: part two.