At Yahoo Finance, you get free stock quotes, up-to-date news, portfolio management resources, international market data, social interaction and mortgage rates that help you manage your financial life.

The lounge access is unparalleled, and the other statement credits can offer tremendous value — but only if you actually use them. Otherwise, the hefty annual fee is hard to justify.

International travelers should consider getting a burner phone to avoid border agents snooping on their private data.