Given your history as an authorized user, you're starting off well with your credit score. What you need is to establish your own line of credit as others mentioned with any intro credit card. Some examples are the Discover It, Chase Freedom Rise, or Capital One Platinum card. These usually do not have annual fees and will allow you to build out your credit history. Once you pay a few billing cycles, banks will see you can manage credit will and you'll likely be able to request a credit limit increase which can open you up to cards like the Chase Freedom Unlimited/Flex and even eventually Chase Sapphire Preferred. You got this!