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Warm Bean Dip With Cheese

As seen in: Small Bites with Big Flavor

This warm bean dip packs creamy refried beans with tangy sour cream and flavorful Mexican spices, all blanketed by plenty of melted cheese. Just ten minutes of prep is all you need before baking it to bubbly, golden perfection. Perfectly suited for parties or casual snacks, it becomes the star of any gathering. Each bite is rich, smooth, and satisfyingly cheesy, making it tough to resist second helpings. Serve with tortilla chips and watch it disappear. Simple, quick, and always a hit, this dip is a favorite for a reason!

A woman named Sophie is smiling and holding a plate of food.
Created By Sophie
Last updated on Sun, 06 Jul 2025 21:07:56 GMT
A white bowl of cheese. Save Pin
A white bowl of cheese. | sophietable.com

Warm Bean Dip is the answer when you need a crowd-pleasing appetizer you can whip up in almost no time. Creamy refried beans, tangy sour cream and classic Mexican spices turn ordinary ingredients into a full-flavored dip everyone flocks to. Topped off with bubbling melted cheese this dip shines at parties but honestly we make it just for cozy nights at home too.

I first made this for a last-minute potluck and it vanished before I could even taste test. My kids always sneak spoonfuls if I turn my back for a second.

Ingredients

  • Refried beans: creamy and savory look for ones with minimal additives for best flavor
  • Sour cream: provides a tangy richness and helps everything stay smooth use full fat for a decadent dip
  • Mexican seasoning: brings warmth and gently spicy flavor try making your own blend from chili powder cumin oregano and garlic powder
  • Shredded cheese: gets bubbly and gooey on top a blend of cheddar and Monterey Jack melts beautifully
  • Green onions (optional for garnish): add freshness and a pop of color choose ones with crisp bright green tops

Step-by-Step Instructions

Mix the Base:
Combine creamy refried beans and sour cream in a medium bowl and stir until totally smooth and unified. Scrape down the sides to avoid dry spots in the dip later.
Add the Seasoning:
Add Mexican seasoning and give the mixture another thorough stir making sure spices are evenly incorporated. Taste a tiny bit to adjust seasoning to your liking.
Layer and Top with Cheese:
Spread the seasoned bean mixture into a baking dish smoothing the surface with a spatula. Cover generously with shredded cheese aiming for edge-to-edge coverage so every bite melts perfectly.
Bake until Bubbling:
Place dish in a preheated oven at 350 degrees Fahrenheit. Bake for 20 minutes or until the cheese is melted and golden and the dip is hot all the way through. The edges may bubble slightly this adds great flavor.
Garnish and Serve:
Take out of oven and let it cool just a couple minutes. Sprinkle chopped green onions over the top if using. Serve with tortilla chips and enjoy warm.
A bowl of warm bean dip with a green garnish. Save Pin
A bowl of warm bean dip with a green garnish. | sophietable.com

For me the creamy tang of sour cream paired with gooey cheese is irresistible in this dip. My daughter Kelsey always insists on being “taste tester” and sneaks spoonfuls right as it comes out of the oven. That is when you know it is good.

Storage Tips

Warm bean dip keeps well in the fridge for up to four days. Let it cool completely then transfer to an airtight container. To reheat place in a microwave safe dish and gently heat stirring once or twice until hot throughout. If making ahead stop before baking cover and refrigerate then bake fresh when ready to serve.

Ingredient Substitutions

You can swap Greek yogurt for sour cream which adds a bit more protein and slight tanginess. If you like heat add a few spoonfuls of chopped green chilies to the mix before baking. Vegan cheese and plant-based sour cream also work well making this a flexible dish for guests with dietary preferences.

A white bowl with a casserole in it. Save Pin
A white bowl with a casserole in it. | sophietable.com

Serving Suggestions

Pile this bean dip on a platter surrounded with tortilla chips or crisp veggies. Spoon some into warm tortillas for a quick bean and cheese taco. Leftovers even make a fun addition to breakfast burritos with scrambled eggs.

Cultural Context

Bean dips are a staple at many Southwestern parties and potlucks. Drawing on classic flavors of refried beans and Mexican-inspired seasonings this recipe channels the spirit of casual group gatherings where everyone just wants something delicious to snack on together.

Commonly Asked Questions

→ What type of beans work best for this dish?

Refried beans are preferred as they create a smooth, creamy base for blending with other ingredients.

→ Can you prepare this dip ahead of time?

Yes, you can assemble the dish in advance and refrigerate. Just bake before serving for best results.

→ What are the best toppings to add?

Melted cheese is classic, but sliced jalapeños, fresh cilantro, or green onions add extra flavor and color.

→ Is this dish suitable for vegetarians?

Absolutely, as long as you use vegetarian refried beans and cheese, it's a meat-free option everyone can enjoy.

→ What should I serve alongside?

Tortilla chips are a favorite, but warm pita, veggies, or crackers also pair perfectly with this creamy dip.

Warm Bean Dip With Cheese

Creamy beans, sour cream, and cheesy layers make this dip a must for gatherings and easy snacking.

Preparation Time
10 Minutes
Cooking Duration
20 Minutes
Overall Time
30 Minutes
Created By: Sophie

Recipe Type: Appetizers

Skill Level: Simple

Cuisine Type: Mexican-inspired

Portion Size: 8 Number of Servings (1 medium dip, serves 8 as appetizer)

Diet Preferences: Vegetarian-Friendly, Free of Gluten

What You'll Need

→ Main Ingredients

01 430 g canned refried beans
02 120 g sour cream
03 1 teaspoon ground cumin
04 1 teaspoon mild chili powder
05 180 g shredded cheddar cheese

Step-by-Step Directions

Step 01

Preheat the oven to 180°C.

Step 02

In a medium mixing bowl, combine refried beans, sour cream, ground cumin, and chili powder. Stir until evenly mixed.

Step 03

Fold in half of the shredded cheddar cheese, mixing thoroughly.

Step 04

Spread the bean mixture evenly into a small oven-safe dish.

Step 05

Sprinkle the remaining cheddar cheese evenly over the top.

Step 06

Bake in the preheated oven for 20 minutes, or until the cheese is fully melted and the edges are bubbling.

Step 07

Remove from oven and let stand 5 minutes before serving warm, garnished if desired.

Helpful Notes

  1. For a spicier dip, add finely chopped jalapeños or use a sharp cheddar.

Recommended Tools

  • Oven
  • Mixing bowl
  • Oven-safe baking dish
  • Spatula

Allergen Information

Always review ingredients for any allergens and consult a healthcare provider with any concerns.
  • Contains dairy (cheese, sour cream)

Nutritional Information (Per Serving)

These details are estimates and shouldn't be considered professional health advice.
  • Calories: 170
  • Fat Content: 10 grams
  • Carbohydrate Content: 12 grams
  • Protein Content: 7 grams