01 -
Set your oven to 350°F (175°C) to preheat.
02 -
In a large bowl, combine the refried beans, softened cream cheese, and sour cream. Stir until the mixture is smooth and creamy.
03 -
Stir in the taco seasoning and half of the shredded cheese until well combined.
04 -
If using ground beef, sausage, black beans, or corn, mix them into the base at this stage.
05 -
Spread the mixture evenly into a baking dish. Sprinkle the remaining shredded cheese on top.
06 -
Place the dish in the preheated oven and bake for 25-30 minutes until the cheese is melted and bubbly.
07 -
Remove from the oven and let cool slightly before serving with tortilla chips, vegetable sticks, or crackers.