01 -
In a mixing bowl, combine softened cream cheese, yogurt or sour cream, and taco seasoning. Whip the mixture thoroughly using a mixer until light and creamy.
02 -
Spread refried beans evenly across your serving platter, forming the base layer.
03 -
Gently spread the seasoned cream cheese mixture over the refried beans, creating the second layer.
04 -
Evenly scatter shredded cheddar cheese over the cream cheese layer.
05 -
Spoon picante sauce or salsa over the cheese and spread evenly.
06 -
Finish with layers of chopped lettuce, diced tomatoes, green onions, and diced jalapeno pepper.
07 -
Serve chilled or at room temperature with corn tortilla chips for dipping.