State of Internet Poker, Cliff Notes Please

[Bobby Digital]

I basically stopped playing when everything went down in September and have been out of touch for the past few months. Assuming I'm a US player what options do I have as of right now. I know my credit cards will not work on any sites as they have been declined in the past.

What are the 3 most popular sites for US players?

What are the 3 best/reliable payment options?