(MONEY Magazine) –

NOTES AND SOURCES: All rates are subject to change. Credit-card rates are for standard cards as of Jan. 4 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 Jan. 10 from HSH Associates (800-873-2837; hsh.com). 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.