(MONEY Magazine) – NOTES AND SOURCES: All rates are subject to change. Credit-card rates are for standard cards as of Oct. 12 from Bankrate.com and are variable unless otherwise indicated. Survey does not include Internet-only cards or AmEx Blue. Mortgage and other loan rates are as of Oct. 20 from HSH Associates (800-873-2837; hsh.com). Car-loan rates apply to new-car loans of $15,000. [1] Fixed rate. [2] MasterCard only. [3] Visa only. [4] Platinum and gold cards.