Lowest credit-card rates.

The following credit-card issuers offer the lowest interest rates for cards with no annual fees, according to a survey released Friday by Consumer Action.

Card issuer......................................Rate (%)

Variable-rate cards

Washington Mutual Bank........................5.9

Chase Manhattan Bank (Universal Card)......6.65

Bank of America (Classic Card)................7.74

Sears National Bank..............................7.9

EverBank (Platinum Card).......................8.4

Fixed-rate cards

Capital One (Platinum No Hassle Card).......8.9

Capital One (Classic) and Generations Bank..9.9

American Express (Optima/Blue Cards).......9.99

First Internet Bank (Connect Select Cards)...10

Simmons First National (Gold Select Cards).10.95

_Source: Consumer Action

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