Profile: Paul wants travel benefits but values them only if they are benefits he will actually use. He takes one domestic flight per year and does not check bags. Offer summaries: Orchard Merit Card - $150 annual fee, lounge visits he will not use, 1 mile per dollar; Orchard Connect Card - No annual fee, 2% cash back on all purchases; Orchard Select Card - $95 annual fee, free checked bag benefit he will not use; Orchard Advantage Card - No annual fee, hotel points at a chain he never uses. Which offer best balances costs and benefits for this user?