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News: Money Magazine Names Best Credit Card Picks -

The October issue of Money Magazine has once again named their picks for the best credit cards of 2015-2016, and cards from Citi, a advertising partner, Discover, and Barclays have taken top honors in the cash back, shopping, and travel categories.

Fourteen cards were deemed best-in-class, in categories like best cash back card, best frequent flyer card, best hotel rewards card, best card for carrying a balance, best card for students, and best business credit cards. They considered factors like introductory and ongoing interest rates, sign-up bonuses, fees, and reward offerings.

Here's the rundown on Money's choices, along with key features of each:

  • Citi® Double Cash Card – 18 month BT offer - best cash back card, with great balance transfer offer, no annual fee, and 2% cash back on all purchases: 1% when you buy and 1% as you make payments for those purchases.
  • Discover it® Cash Back - best online shopping card, with 0% introductory APR on purchases and balance transfers for 14 months (after that the ongoing APR of 13.49% - 24.49% Variable will apply), no annual fee, and 5% cash back in certain categories that change each quarter (up to the quarterly maximum each time you activate).
  • American Express Blue Cash Preferred - best for maximizing cash back, with 0% APR on purchases and balance transfers for 15 months, a $75 annual fee, and 6% cash back on up to $6,000 in grocery store purchases.
  • Starwood Preferred Guest - best hotel rewards card, with an annual fee of $95 and a sign-up bonus of 25,000 points after spending $3,000 in the first 90 days.
  • Northwest FCU FirstCard - best student card, with no annual fee, an ongoing APR of 10%, and a fixed credit limit of $1,000 designed to keep students from getting too deep into debt.
  • Discover it® Student chrome - best student cash back card, with no annual fee, a 0% intro APR on purchases for the first 6 months (after that the ongoing APR of 14.49% - 23.49% Variable will apply), and 2% cash back on up to $1,000 spent in combined purchases at gas stations and restaurants each quarter.
  • Digital Credit Union Visa Platinum - best card for carrying a balance, with an APR starting at 8.5% and no balance transfer fee.
  • Chase Slate - best for balance transfers, with 0% on transfers for the first 15 months and no fee for transfers in the first two months.
  • Citi Simplicity® Card - No Late Fees Ever - best card for big purchases, with a 0% intro APR on purchases for 12 months (when the introductory interest rate is over, the ongoing APR of 16.24% - 26.24% (Variable) will apply) and no annual fee.
  • Capital One® Spark® Cash Select for Business - best card for small businesses, with no annual fee and 1.5% cash back on all purchases.
  • U.S. Bank Business Edge Platinum - deemed the best card for businesses borrowing money, this card offers 0% on purchases and balance transfers for a year, and has no annual fee.