<human>: Hello everyone, 
My husband and I graduated from college in May of this year and have both been fortunate enough to get jobs in our fields pretty much right out of college. My husband took out a few student loans in college, but we've already paid them off. Because of this, he has a credit history; I however, do not. 

I never had to take out any loans while in college, never had a credit card, and never have been in any kind of debt. Unfortunately, when it comes to applying for credit cards, I've been turned down in the past because I have no credit history whatsoever. 

Now we're trying to apply for our first credit card for either of us, just so we can start building credit history (putting on a small balance and paying it off every month). I was thinking about going through USAA, as we have our insurance through them since his father is in the military. However when going to apply, since his name is the name on the account, there is only an option to put me as an authorized user.

Would this be a good idea since I don't have any credit history? Or should we consider trying out a different card where we can both be the joint account holders? Thanks.

Can you give me the gist of the text in a nutshell?
<bot>: I've never had credit history, husband and I are applying for our first credit card for either of us, should I become an authorized user or try to become a joint account holder?