Need more detail
Is 10K GM card with cap1 the only card they have?
How much they spend annually?
Paying annual fee to get more reward worthy?
Do they looking for big sign up bonus? Or high percentage cash/points back?
Which category they spend most? Travel? Grocery? Charity?
She also has a Citi Platinum Select - $15K limit
May charge around $3-5K annually
Don't really want an annual fee
Higher Percentage Cash/Points back
Mostly use for Travel or unexpected expenses.
US bank cash+ is excellent deal, you can put travel and one more category on 5% cash back, grocery or gas or drug store on 2%.
Also consider freedom and discover more for their 5% rotating category
AMEX bce is also good choice.
I wish my family was more open about finances.
My grandfather was a Barnett Bank VP, and I never heard him talk about it, never mind talking about the 100 CCs and their limits (when I say 100 CCs, I'm in no way exagerating)
Him talking to my dad about finances as a kid, would have certainly helped me, as I'm sure he/she (mom) would have been more open to talk/teach me.