I'm currently a sophomore in college, just turned 20, I've been an authorized user in my parents discover card (5k limit)for 6 years now. I've had my own 53rd platinum that my mom is a joint account holder on, that I pay off in full every month since August(I was approved with a 12.5k limit/13.24% APR with my mom(who has freaking stellar credit), but she had me reduce it to 2k(dosent trust me to not fuck up, but knows I'm responsible), credit utilization is usually less than 25% of 2k). I've read that it's possible to get a credit card if you're under 21 if you can prove you have a means to pay. My parents take care of all of my expenses, and pretty much won't let me work, and tell me to "focus on studying." How likely is it that this will be a "means to pay?" I will be getting a job soon cause I've convinced them that hospital experience is critical when applying for med school. (Side note, they own a small business, can they add me on the payroll? To show means to pay?)

It dosent have to be an amex card, but it's the one that sprung to mind when I thought of rewards(which is why i want to apply for new card) I'm mainly looking for a card that gives me good cash back, and the amex blue cash (preferred) seems in line with what I spend money on(supermarkets and gas), and would maximize my benefit.

Basically how likely is it that it would be seen as I have "means to pay" based on my circumstances? I don't want to have a hard credit pull if it's not likely when I can wait a few months but I'm an impatient prick.

TL;DR : been AU on parents discover 6 years, joint 53rd card w/mom since August. Pay off balance in full every month. parents won't let me work, but pay for everything. Will it be approved as "means to pay"