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5-Ingredient Cream Cheese Bean Dip - Easy, Creamy, Crowd-Pleasing

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Prep Time 10 minutes
Cook Time 20 minutes
Total Time 30 minutes
Servings: 8 servings
Ingredients Method

Ingredients
  

  • 8 oz (225 g) cream cheese, softened
  • 1 can (15 oz) refried beans (pinto or black bean refried beans both work)
  • 1 cup salsa (mild, medium, or hot—your call)
  • 1 cup shredded cheese (Cheddar, Monterey Jack, or a Mexican blend)
  • 1 packet taco seasoning (about 1 oz) or 2 tablespoons homemade

Method
 

  1. Preheat the oven: Set to 375°F (190°C). Lightly grease a small baking dish (8x8 or similar).
  2. Soften the cream cheese: If it’s not already soft, microwave for 15–20 seconds until easily spreadable.
  3. Mix the base: In a bowl, combine cream cheese, refried beans, taco seasoning, and 1/2 cup of the salsa. Stir until smooth and evenly combined.
  4. Spread and top: Transfer the mixture to the baking dish and smooth the top. Spoon the remaining 1/2 cup salsa over the surface, then sprinkle the shredded cheese evenly on top.
  5. Bake: Bake for 15–20 minutes, until the edges are bubbling and the cheese is melted and lightly browned.
  6. Rest and garnish: Let the dip sit for 5 minutes to thicken slightly. Garnish with sliced jalapeños, cilantro, or green onions if you like.
  7. Serve warm: Pair with tortilla chips, warm soft tortillas, or crunchy veggies.