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add her on as an AU on an older card that has a low utilization. i added my gf on my $6000 citi that carried about $100 balance when she was 18 and in 6 months she got her own citi card with a $1000 spending limit.
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as long as you have good payment history on an account it will be fine, make sure there is nothing no missed payments on the cards you add her too, and as soon as you add her she gets all your history of the card regardless if it's been a year or 12 years. also if it's an amex you add her too later on she can get her own amex backdated to this date.
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