By Compiled by Tara Kalwarski and Jonah Freedman

(MONEY Magazine) –

CREDIT NOTES AND SOURCES: All rates are subject to change. Credit-card rates are for standard cards as of Nov. 9 from and are variable unless otherwise indicated. Survey does not include Internet-only cards or AmEx Blue. Mortgage and other loan rates are as of Nov. 12 from HSH Associates (800-873-2837; Car-loan rates apply to new-car loans of $15,000. [1] Visa only. [2] Fixed rate. [3] MasterCard only. [4] Platinum and gold cards.