Hot Bean Dip with Cream Cheese

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This Hot Bean Dip is the ultimate crowd-pleasing appetizer: warm, cheesy, and loaded with bold Tex-Mex flavor. It's rich and creamy thanks to a base of cream cheese and refried beans, spiced with taco seasoning, and finished with a bubbly, golden layer of melted cheese. It's the kind of comfort food you'll want to bring to every party or game day gathering.

This Hot Bean Dip with Cream Cheese is warm, creamy, and loaded with bold flavor — an easy, crowd-pleasing party appetizer everyone will love. | aheadofthyme.com

This easy dip takes just a few minutes to mix together and bakes to gooey perfection. Best of all, it's endlessly customizable with your favorite toppings like avocado, jalapeños, cilantro, or hot sauce. Serve it with tortilla chips for the perfect scoopable snack that disappears fast.

Why You'll Love this Hot Bean Dip

Rich and creamy texture. The combination of cream cheese and refried beans creates an ultra-smooth, luscious base that's satisfying and indulgent. It's perfect for dipping and delivers comfort in every bite.
Packed with flavor. Taco seasoning and a splash of lime juice bring bold, zesty flavor to the dip. Topped with melty mozzarella and parmesan cheese, each layer adds depth and a cheesy kick.
Quick and easy to make. This recipe takes just minutes to assemble and bakes in under 30 minutes. It's ideal for last-minute get-togethers, casual snacking, or easy weeknight entertaining.
Perfect for a crowd. Whether it's a party, potluck, or game day, this dip is always a hit. It's rich enough to satisfy, and easy to double for a crowd. Serve it hot and watch it disappear.
Easily customizable. Add your favorite toppings or mix-ins like chopped green chiles, corn, or black beans. You can also make it spicier with hot sauce or diced jalapeños, or even mellow it with extra cheese or sour cream.

Ingredient Notes

To make this easy Hot Bean Dip with Cream Cheese, you will need the following ingredients (full measurements in recipe card below):

cream cheese - creates a creamy, rich base. I recommend using full-fat for best results. You could use light cream cheese as a substitute but it might not be as creamy.
refried beans - You can use either homemade refried beans, or canned beans.
taco seasoning - use store-bought or homemade. A blend of chili powder, cumin, garlic powder, and paprika also works well.
lime juice - adds a touch of acidity to brighten the dip. Bottled juice works, but freshly squeeze gives the most potent flavor.
mozzarella cheese - melts beautifully for that gooey topping. Substitute with Monterey Jack or a Mexican cheese blend.
parmesan cheese - adds sharp, nutty flavor. Can be swapped for pecorino romano or omitted if desired.

You will also need measuring cups and spoons, mixing bowl, a spatula for stirring, and a small 1-quart baking dish.

How to Make the Best Hot Bean Dip

Combine ingredients. In a large mixing bowl, combine cream cheese, refried beans, taco seasoning, and lime juice. Stir until evenly combined.

Assemble. Spoon the mixture evenly into a small round 1-quart baking dish and top with mozzarella cheese and parmesan cheese.

Bake. Bake for 20-25 minutes until the melted cheese is bubbly and golden brown.

Serve. Top with avocado, jalapeno, cilantro, and hot sauce, or your favorite taco fix ins. Serve immediately with tortilla chips or crackers.

Recipe Variations

Make it spicy. Add diced jalapeños, hot sauce, or a pinch of cayenne pepper for a fiery twist that enhances the dip's bold flavor.
Add more protein. Mix in cooked ground beef, chorizo, or shredded chicken for a heartier, more filling dip perfect for game day.
Top with extras. Customize with fresh toppings like chopped avocado, cilantro, or sliced olives. These add freshness, color, and extra texture.
Swap the cheese. Try using cheddar, pepper jack, or a Mexican blend for a different flavor profile that still delivers cheesy goodness.
Bulk it up. Add black beans or corn to bulk it up and make the dip more filling for a heartier appetizer everyone will love.

How to Serve

This Cheesy Hot Bean Dip is delicious served on its own with tortilla chips, crackers, or veggies, or paired with some of my favorite Tex Mex recipes including:

For more recipes, see our 30 Mexican Recipes for Cinco de Mayo.

Recipe Tips and Tricks

Soften the cream cheese. Let it sit at room temperature for easier mixing and a smoother dip consistency.
Use freshly shredded cheese. It melts better than pre-shredded and gives the dip a more gooey, stringy texture.
Mix thoroughly. Make sure all the ingredients are evenly combined before baking so you get consistent flavor in every bite.
Serve hot. This dip is best enjoyed warm from the oven. If needed, keep it warm in a slow cooker for serving.
Top just before serving. If adding fresh toppings like avocado or cilantro, wait until just before serving to maintain freshness and color.

Storing and Freezing Instructions

How to Store

Transfer leftovers to an airtight container and store in the fridge for up to 3 days. Reheat before serving.

How to Reheat

Reheat in a 300°F oven until warmed through, or microwave in 30-second intervals, stirring in between. Add a splash of water if the dip thickens too much.

How to Freeze

You can freeze the dip before or after baking. Wrap tightly and freeze for up to 1 month. Thaw overnight in the fridge before reheating.

FAQ

Can I make this ahead of time?

Yes, assemble the dip up to a day in advance, cover, and refrigerate. Bake just before serving for best results. This makes it an ideal dish to prep ahead for parties or events.

Can I double the recipe?

Absolutely! Use a 9x13-inch dish and double all ingredients. Increase the baking time slightly until hot and bubbly. It's perfect when hosting a larger group or family gathering.

Is it gluten-free?

Yes, as long as your taco seasoning and refried beans are gluten-free. Always double-check labels to be sure. Pair it with gluten-free chips for a safe and delicious snack.

What can I use instead of refried beans?

Mashed pinto or black beans work well. You can season them with taco spices to mimic refried beans. The texture will be slightly different, but still delicious.

More Cheesy Dip Recipes

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