question about renting a car for family vacation?

[Dasha]

i want to rent a car for 4 days but im only 21 and i want to put it on my creditcard but i think im underage to do so

is this true?

also if i get someone older than 25 to put it on thr card does hat person have to be the driver
i heard that the person that rents the car has to be the driver?

is that true?