A card tray for holding a card in a mobile terminal, a method for preparing the card tray, and a mobile terminal are disclosed. The card tray includes a card tray base, a first insulation layer disposed on the card tray base, and a second insulation layer covering the first insulation layer. Hardness of the first insulation layer is higher than hardness of the second insulation layer. When inserting a card to a mobile terminal, burrs or sharp parts on the card may pierce the second insulation layer, whereas the first insulation layer can block the burrs or the sharp parts, preventing an insulation coating on the card tray base from being scratched.