We are not offering NIHFCU secured card on our site. If you are not eligible or do not want to join the American Consumer Council, here are better alternatives.
Opensky® Plus Secured Visa® Credit Card
Opensky Plus does not perform any hard pull so approval is guaranteed. There is no annual fee and the minimum security deposit is $300.
Arro Card
Apply Here
Arro is an unsecured Mastercard and unlike NIHFCU, does not perform any hard inquiry because it does not rely on FICO scores to approve you. Instead they rely on your monthly income. You need to have a monthly income of at least $1,800 to be approved (you would need to link your bank account to Arro via PLAID for them to verify this). This is a better card than NIHFCU Secured because:
- It is an unsecured credit card and not a secured credit card
- There is no need for security deposit
- The fee is low, only $3/month.
- Arro does not perform any hard inquiry