01 -
Get your oven ready by setting it to 350°F (175°C) and grab a dish for baking.
02 -
Cook the ground beef, diced onion, and garlic in a skillet over medium heat. Get rid of any grease once browned.
03 -
Turn the heat low and add in both sour cream and cream cheese. Stir until you’ve got a smooth mixture.
04 -
Throw in the refried beans, tomatoes, chili powder, salt, pepper, and cumin. Mix until everything’s blended together.
05 -
Pour it all into your dish, toss on some shredded cheddar, and bake for around 20-25 minutes. The cheese should get bubbly and golden.
06 -
Sprinkle on some green onions, grab your favorite tortilla chips, and dig in while it’s nice and warm.