Delicious cheesy bean dip served with tortilla chips, perfect for parties and gatherings.

Cheesy Bean Dip

Cheesy Bean Dip is a creamy, flavorful crowd-pleaser that brings together melted cheese, hearty beans, and just the right touch of spices. It’s the kind of dip that’s gooey, cheesy,…

By Brad



Reading time: 5 min

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Serves 4–6

Cheesy Bean Dip is a creamy, flavorful crowd-pleaser that brings together melted cheese, hearty beans, and just the right touch of spices. It’s the kind of dip that’s gooey, cheesy, and perfect for chips, crackers, or even fresh veggies. The blend of melted cheese with the smooth beans creates a comforting and satisfying snack that everyone seems to enjoy.

I love making this dip when friends come over because it’s simple to prepare but feels special. One of my favorite tips is to add a little bit of chopped green chilies or salsa on top for an extra pop of flavor and color. It just brightens up the whole dish and makes it even more inviting. Plus, it pairs really well with crunchy tortilla chips, which means it disappears fast!

For me, Cheesy Bean Dip always brings back memories of casual gatherings and game nights, where everyone circles around the table dipping and chatting. It’s the kind of recipe that’s easy to customize too—you can add jalapeños if you like things spicy, or throw in some avocado for a creamy twist. No matter how I serve it, it’s a guaranteed favorite every time!

Key Ingredients & Substitutions

Refried Beans: These form the creamy base and add depth. If you want it lighter, try black beans mashed with a bit of lime juice. Both give a nice texture and flavor.

Cheese: Sharp cheddar brings a bold taste, and Monterey Jack melts beautifully for creaminess. If you prefer milder cheese, mozzarella works well. For dairy-free, use vegan cheese.

Ground Beef or Turkey: This is optional but adds heartiness. You can skip it or swap for cooked lentils or crumbled tofu for a vegetarian version.

Sour Cream: It adds tang and richness. Greek yogurt is a great substitute if you want a healthier option without sacrificing creaminess.

How Do I Get a Perfectly Bubbly, Golden Cheese Topping?

Getting the cheese bubbling and golden is the key to that irresistible dip. Here’s how I do it:

  • Use a mix of cheeses that melt well, like cheddar and Monterey Jack.
  • Spread cheese evenly over the bean mixture to ensure even melting.
  • Bake at 375°F long enough (20–25 minutes) to fully melt the cheese and get golden spots on the edges.
  • For extra browning, you can broil for 1-2 minutes at the end, watching closely to avoid burning.

Let the dip rest a few minutes after baking to thicken up slightly. This makes it easier to scoop and enjoy!

Equipment You’ll Need

  • Oven-safe baking dish – perfect for baking the dip evenly and serving it straight to the table.
  • Mixing bowl – to combine all ingredients easily without making a mess.
  • Spoon or spatula – for mixing and spreading the dip smoothly into the baking dish.
  • Cheese grater – if you’re shredding your own cheese for better melt and flavor.

Flavor Variations & Add-Ins

  • Swap ground beef for cooked chorizo to add smoky spice and extra richness.
  • Mix in chopped jalapeños or a dash of hot sauce for a spicy kick that wakes up the flavors.
  • Add black beans or pinto beans for a chunkier texture and earthier taste.
  • Stir in corn kernels or diced bell peppers for a sweet crunch that balances the creaminess.

Easy Cheesy Bean Dip Recipe

How to Make Cheesy Bean Dip

Ingredients You’ll Need:

  • 2 cups refried beans (canned or homemade)
  • 1 cup cooked ground beef or turkey (optional)
  • 1 cup shredded sharp cheddar cheese
  • 1 cup shredded Monterey Jack cheese
  • ½ cup diced green onions (reserve some for garnish)
  • ½ cup sour cream (plus extra for garnish)
  • ½ teaspoon garlic powder
  • ½ teaspoon onion powder
  • ½ teaspoon chili powder
  • ¼ teaspoon ground cumin
  • Salt and pepper to taste
  • Fresh cilantro, chopped (for garnish)
  • Tortilla chips, for serving

How Much Time Will You Need?

This dip takes about 10 minutes to prepare and 20-25 minutes to bake. Add a few extra minutes for cooling before serving. Overall, you’ll have a delicious, warm dip ready in about 35 minutes!

Step-by-Step Instructions:

1. Preheat and Mix:

Set your oven to 375°F (190°C) to get it ready. In a medium bowl, mix together the refried beans, cooked ground meat if you’re using it, half the shredded cheddar, half the Monterey Jack cheese, diced green onions, sour cream, garlic powder, onion powder, chili powder, cumin, salt, and pepper. Stir everything until well combined.

2. Assemble the Dip:

Spread the bean mixture evenly into an oven-safe baking dish. Then sprinkle the rest of the cheddar and Monterey Jack cheeses over the top.

3. Bake and Garnish:

Place the dish in the oven and bake for 20 to 25 minutes, until the cheese is melted, bubbly, and golden brown on the edges. Take it out and let it cool for a few minutes. Add dollops of extra sour cream, then sprinkle chopped green onions and fresh cilantro on top for a fresh flavor and pretty look.

4. Serve:

Serve your warm cheesy bean dip with crunchy tortilla chips and watch it disappear quickly! Enjoy every gooey, cheesy bite.

Can I Use Canned Beans Instead of Refried Beans?

Yes! You can mash canned pinto or black beans to make your own refried-style beans if you prefer. Just drain them well and mash with a fork or food processor until smooth before mixing with the other ingredients.

How Long Can I Store Leftover Dip?

Store leftovers in an airtight container in the fridge for up to 3 days. Reheat gently in the microwave or oven until warmed through, stirring occasionally for even heating.

Can I Make This Dip Ahead of Time?

Absolutely! Prepare and assemble the dip, then cover and refrigerate it for up to 24 hours before baking. When ready, just pop it in the oven and bake as directed.

What Can I Substitute for Sour Cream?

If you want a lighter or dairy-free option, use Greek yogurt or a dairy-free yogurt alternative instead of sour cream. It will still add creaminess and tang to the dip.

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Brad

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