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Are there cards available for college students with a low credit score. Iвm still living in my grandmothers house, but the mortgage has not been paid since June 2018. Higher credit score required - While there are credit-builder cards that have rewards, the cards with richer offers tend to require higher credit scores. The main disadvantage of these cards is the high level of interest they charge. I wouldn't recommend the Alliant Visa Signature after the first year; I would downgrade to the Alliant Platinum Rewards. The card has no annual fee, a late fee waiver, no penalty APR, no foreign transaction fees, and no fee for additional cards. OP's best plan would be to file bankruptcy, then immediately see more for a credit card to rebuild credit when the case is complete.

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