To get a credit card for 21yo?!

But your question was should you get it for her. She should get it herself if she wants it.

This. If she's not able to get and use her own credit card she shouldn't have one arranged for her. I really dont understand the question.

The whole thing implies OP is doing it.

I agree. Looks like the OP is implying that THE OP wants to keep track of her daughters spending. Sure the daughter can keep.track of her spending via a debit card.

But in general, just very strange for a parent to be getting so involved in a 21yo finances.

She'll probably be able to get one herself even if she earns £8K, albeit with a lower limit. She can then use it for emergencies or however she likes, and you won't need to be involved.
I would definitely not have wanted a parent to be able to see all my transactions at the age of 21!

Have a re-read of the thread. The only one with comprehension issues appears to be you.

#don'tbesorude

Without being unnecessarily pedantic OPs use of "To get a credit card for 21 year old" and "am I looking for some sort of unicorn card" does somewhat imply OP will be the one organising and applying for the card on her DDs behalf and therefore be somewhat involved in the card at least initially so I don't think it was a massive leap to make.

She meant for the daughter to keep track of her spending. OP didn't imply SHE was going to do it.

A lot of banks used to offer interest free overdrafts to students. My years 1 was 1500, year 2 1000 then year 500 so it tapered down. Worth looking into as really helpful if needed, not sure if banks still do them

Er she means for the daughter to keep track..
#comprehension skills

Further to my previous post Tesco credit cards can be linked to a Tesco club card so you can earn points anywhere you use the credit card. I have a Tesco credit card as well as my kids and usually get around £30 every 3 months in club card vouchers.

Exactly the same here, advised they got them at 18, they got the Tesco ones.

several years on it’s been a success- paid off each month and they get rewards and consumer protections.

Ive had credit cards for forty years and never paid any interest, I’ve taken advantage of the positives and had some great benefits though.

My dc have all had credit cards at 18/19. They oay thr balance off by dd each month so don't incur any charges.

I had a credit card when I was at Uni. It was with my bank and had a small limit of around £300 to £500.

I encouraged both my kids to get a credit card when they were 18. Good way to build a credit score but I emphasised that they pay the full balance each month so no interest charges were paid. They both have a Tesco credit card and started with a £250.00 credit limit. My DS has had his for nearly 5 years now and has always paid the balance in full every month. His credit limit is now £4000. My DH never had a credit card until he met me. You get so much more protection than paying with a debit card.

This is really weird. By the time mine were 21 I had zero input to their finances. Why are you asking MN what you should do here? Surely your DD can make her own decisions?

Just a thought OP with you mentioning airmiles were you thinking of adding her to your card as an additional card holder? If you do this it doesn't necessarily build their own credit rating you would have to check with the particular credit provider how they share additional card holder information with the credit reference agencies.

there are student credit cards she would qualify for, she won’t be earning air miles with them, but it would be a good way to build up her credit rating and they tend to have around a 500 limit.

You don’t pay interest if you pay it off every month.

Taking out a credit card at 21 is a really smart move. Even if you rarely use it. If you ever buy any service or item over £100, then paying for some or all of it on a credit card gives you fraud protection. It does help build your credit rating, and you can do pre-eligibility checks to reduce the risk of being rejected.

Your advice isn’t actually very sound. For a start there’s no interest if you pay off the full amount each month and building up a good credit score is important for adults. In addition, with a cc you get brilliant consumer protection for big purchases like white goods and without a cc you can’t hire a car.

When I used to be a student banking officer there was a student credit card as part of the student banking bundle. They only had a small credit limit of £500.

I don't think that poster understands how credit cards work.

@Amira83
She will.ne paying interest every month though so what would be the point in that?

OP says that she would pay it off in full every month, so where would the interest be coming from? I have never paid interest on my credit card purchases.

ETA: It might be too tempting for a 21 year old not to use it irresponsibly!

There is a (probably apocryphal) story about Eric Clapton where somebody admired his jacket and asked whether it was expensive. His reply was "I paid for it with a credit card so it was free"