In a medium skillet over medium-high heat, brown 1 pound of ground beef for about 5-7 minutes or until no longer pink, breaking it apart with a spatula. Once cooked, drain the excess grease, then stir in taco seasoning and 1/4 cup of water. Let simmer for 5-10 minutes until the mixture thickens, allowing the flavors to meld, and set it aside.

While the beef simmers, prepare your refried beans. Microwave about 1 cup of refried beans for 1-2 minutes, or heat them in a saucepan over low heat until warm.

Preheat your air fryer to 350°F (175°C). Lightly spray or line your air fryer basket with parchment paper. Layer your tortilla chips at the bottom, ensuring they don’t overlap too much. Spoon the warmed refried beans over the chips, followed by the seasoned ground beef, and generously sprinkle both shredded cheddar and Monterey Jack cheese, along with pickled jalapeño slices and chopped red onion.

Carefully place the assembled nachos into the preheated air fryer and cook for 3-5 minutes. Keep an eye on them to avoid overcooking.

Once the cheese has reached perfect meltiness, carefully transfer the nachos to a serving platter. Top them with fresh chopped cilantro for a burst of flavor. Serve immediately alongside sour cream, guacamole, salsa, and pico de gallo.