This delicious Bean Dip is a creamy, cheesy, stove-top recipe requiring only SIX ingredients and just TEN minutes...a perfect recipe for parties or the big game!

Ultimate Bean Dip with text overlay.


When trying to think of a new game-watching dip recipe a few years ago, I recalled a gooey, cheesy appetizer that we sometimes order at a local Tex-Mex restaurant. Now, y'all know that I'm a queso girl through and through, but we decided to get all wild and crazy one night and order Bean Dip in addition to our usual queso. I was surprised at how yummy it was, although I probably shouldn't have been, since the menu revealed that it was basically beans mixed with queso and what's not to love about any recipe involving queso?!

Anyway, I decided to concoct my own queso/bean homage to that restaurant Bean Dip.

Bean Dip in pot with cilantro on top.

Why Make this Bean Dip?

I decided that I wanted my Bean Dip recipe to meets the following requirements:

  • Quick and easy to make.
  • Uses just a handful of ingredients.
  • Ready in less than 15 minutes.
  • Completely assembled in one pot on the stove-top.

And since I was trying to mimic a recipe that revolved around the addition of queso, I knew I'd need to take the cheese to the next level... πŸ˜‰


Well, I'm happy to report that my experimentation was a success! Ultimate Bean Dip is an unbelievably easy-to-make, totally tasty recipe. And you only need a handful of ingredients to throw it together!

Aerial view of labeled ingredients.
  • Refried beans. If you've got homemade refried beans, go for it! But it's easy to find canned refried beans these days with real, straightforward ingredients. So I'm all about taking advantage of that shortcut!
  • Cream cheese. Softened. The cream cheese lends the dip a rich, decadent undertone to this bean dip.
  • Salsa. If I'm not making my own homemade salsa, I prefer using the fresh, pureed kind from the produce section. But jarred salsa is fine, too. At any rate, salsa contributes a balance of acidity to such a creamy, decadent dip.
  • Taco Seasoning. This is a quick, easy way to add some spice to this dip! Again, either a homemade blend or store-bought packet (you won't use the whole thing) will work here.
  • Grated cheese. I used Pepper Jack, which lends heat and creaminess to this recipe. But you could opt for less spicy Monterey Jack or even sharp or mild cheddar, if you prefer.
  • Cilantro. This final ingredient adds freshness, flavor, and color. But if you're a cilantro hater, you can leave it out. πŸ˜‰
Tortilla chips for dipping in Bean Dip recipe.

How to Make Bean Dip

This recipe is super easy and takes only 10 minutes from start to finish. How easy is it?, you might be asking. Why, allow me to's as easy as dumping a few ingredients into a pot!

  1. Melt and stir together the beans, cream cheese, and salsa until smooth and creamy.
Aerial view of ingredients in pot.
Stirring ingredients together with wooden spoon.
  1. Mix in your choice of grated cheese until melted.
  2. Stir in a handful of fresh chopped cilantro.
Stirring grated cheese into mixture.
Stirring in cilantro.
  1. Dig in immediately with tortilla chips aplenty!

I'll often transfer my Bean Dip to a mini crockpot set on WARM to keep it heated through and gooey while everyone enjoys it.

I'm telling you, this stuff is game-watching bliss. It really is as scrumptious as it sounds!

Bowl of garnished Bean Dip.

Other Ways to Enjoy It

You know what else this Bean Dip recipe is?

It's a last-minute homemade burrito stuffing when you get home late from after-school activities and didn't have a chance to prep anything for dinner yet. πŸ™‚

You can either make a quick batch of dip (or reheat leftovers), spoon it down warm flour tortillas, and roll into burritos. It may be a bit drippy as a burrito filling, but my kids love it and there are NEVER complaints.

Alternatively, for heartier burritos, you can also brown some ground beef, stir in the Bean Dip, and fill tortillas that way. Or even use leftover chicken!

This recipe is also delicious spooned onto a plate as a side dish to our favorite Mexican food fare.

Bean Dip scooped up on tortilla chip.

So whether you need a party snack or a tailgating treat, this scrumptious Bean Dip is sure to be a crowd-pleaser!

It's effortless to whip up, it's a one-pot recipe, and a single batch goes a long way.

And have I mentioned creamy, cheesy deliciousness? I think I have, but it bears repeating. πŸ™‚ Enjoy, y'all.

More Delicious Dip Recipes

Ultimate Bean Dip ~ requiring a handful of simple ingredients -- refried beans, cream cheese, salsa, pepper jack, and cilantro -- and taking just 10 minutes to make, this stove-top appetizer recipe is creamy and cheesy...the perfect snack for parties or for watching the big game! |

Amazing Bean Dip

This delicious Bean Dip is a creamy, cheesy, easy, stove-top recipe requiring only SIX ingredients and just TEN minutes!
Course: Appetizer
Cuisine: Mexican
Prep Time: 5 minutes
Cook Time: 15 minutes
Total Time: 20 minutes
Servings: 24 servings
Calories: 95kcal
Print Pin Rate


  • 1 (8-ounce) package cream cheese, at room temperature
  • 2 (16-ounce) cans refried beans
  • ΒΎ cup salsa, mild, medium, or hot, depending on your preference
  • 1 tablespoon Homemade Taco Seasoning, plus more to taste if desired
  • 8 ounces (2 cups) grated pepper jack cheese, OR Monterrey Jack or sharp cheddar
  • ΒΌ cup chopped fresh cilantro leaves, plus additional for garnish


  • In a medium pot set over medium heat, break up the cream cheese into chunks. Add the refried beans, salsa, and taco seasoning and mix together until well incorporated. Stir occasionally until smooth and heated through, adjusting the heat as necessary to prevent the bottom from burning.
  • Stir in the grated cheese until melted, and then add the cilantro. Garnish with additional cilantro, if desired, and serve warm with tortilla chips.



  • I made this dip with medium salsa and pepper jack cheese and it was moderately spicy, but not so hot that my kids couldn't eat it. If you prefer a milder dip, you may use mild salsa and/or substitute your favorite non-spicy grated cheese.
  • I didn't want my dip to have an overt taste of tacos, but I wanted it to be adequately seasoned. I recommend starting with 1 tablespoon of taco seasoning, and if you think more is needed, add an additional teaspoon at a time. I ended up using a total 1 Β½ tablespoons taco seasoning in my dip. You can also supplement the taco seasoning with some plain salt and pepper, if you wish.
  • You may add more salsa for a thinner dip, but keep in mind that adding a lot more will change the flavor.
  • To keep warm while serving, you may transfer the dip to a small slow cooker set to WARM, stirring occasionally to prevent the bottom from burning and the surface of the dip from drying out.


Calories: 95kcal | Carbohydrates: 5g | Protein: 5g | Fat: 6g | Saturated Fat: 4g | Cholesterol: 19mg | Sodium: 364mg | Potassium: 44mg | Fiber: 2g | Sugar: 2g | Vitamin A: 291IU | Vitamin C: 1mg | Calcium: 95mg | Iron: 1mg
Made this recipe? I'd love to see on IG!Mention @FiveHeartHome or tag #FiveHeartHome!

SaveOriginally published September 8, 2016, and updated on January 22, 2022.

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4.97 from 28 votes (14 ratings without comment)

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Recipe Rating


  1. 5 stars
    Oooooh!!! This stuff is addictive!!! I could easily eat the whole thing myself, as long as there's no other food! Lol... but I'll make sure to always share. Super easy. Love how incredibly good this is! I'll have to make this for the Superbowl!

  2. 5 stars
    This was a huge hit with my friends, I am going to make it again today for my family to watch some football! Thanks!

  3. 5 stars
    This is fantastic stuff! Thank you for sharing it with us. I made it with about 1/2 a head of roasted garlic, 1/2 roasted red pepper, and 2 roasted jalapenos. Absolutely delicious

  4. 5 stars
    I was clueless on how to make a bean dip I needed to be put a bean dip in my burritos. Your recipe is fabulous so delicious. Thank you so much for sharing

  5. 5 stars
    I made this dip for a taco bar birthday party and it was a real hit. I used a combination of pepper jack and Monterrey jack cheese and kept it warm in a mini crock pot. The flavor was fantastic and I'm going to use it with shredded pork as a burrito filling. Thanks for the great recipe.

  6. 5 stars
    Hi, I have made your bean dip two years in a row for your game watch dinner, and its always delicious! I was wondering if you have ideas on how to repurpose leftover dip? What other dishes could I use the dip in? thanks!

    1. Great question, Fernanda! I've used our leftover bean dip to make beef & bean burritos before. Brown some ground beef and mix in taco seasoning. Then spread some reheated bean dip on a warm flour tortilla, top with beef and cheese, fold and roll, and serve with lettuce/tomatoes/guacamole/salsa/sour cream on the side. Hope that helps! πŸ™‚

    2. 5 stars
      Ty my boyfriend did all the cooking and passed away April 8th its hard cooking for yourself and my little Maltese Maggie Mae otherwise known as (pookie bear!) Dip was πŸ‘Œ awesome

    3. 4 stars
      Nacho night. Use flour tortillas and cut into triangles. top with bean dip, taco meat, cheese and black olives. heat in the oven long enough for the tortillas to get crisp - 10 to 15 minutes on 365 degrees F. top each with a slice or two of jalapenos!

  7. 5 stars
    Your Ultimate Bean Dip opened to an excited crowd at Bridge tonight. It was a home run. Best hot bean dip I have ever made.

  8. Oh my this looks so yummy this is now on my list of must try!!! Also, congrats on the QVC appearance! I live about 20 minutes from them and have done the tour what a neat place πŸ™‚

  9. Samantha, I met someone from your hometown yesterday....her name is September. We were discussing our common threads, both being class of '99 Aggies and former Spanish major/minors, when she mentioned her hometown. I told her I remember hanging out some with a few JC girls at A&M (you & Rita, via my friend Sarita, and Shelley via my friend Shannon), and she updated me on your cookbook and blog. So I had to check it out today, and I'm so glad I did! Congrats on this amazing blog, and I look forward to ordering the cookbook!

    1. Hi Meredith! I'm sitting here this morning replying to comments and I found yours from alllll the way back in September! Eeeek...I'm SO sorry I missed it and never replied! Too funny that you ran into September and figured out that y'all have so much in common...and I totally remember meeting you back in college. πŸ™‚ Hope you've been doing well ever since! Thanks so much for stopping by, I apologize again for my extremely delayed reply to your sweet message, and I hope you've been enjoying the cookbook if you decided to order it! Have a great week and hope your 2017 is off to a wonderful start. πŸ™‚

  10. Congratulations on your upcoming appearance on QVC, Samantha!! I love watching In The Kitchen With David on Wed. & Sun! I'm so excited for you and I hope you have a sell out of your cookbook!! The bean dip looks so yummy and easy to make! Thanks for sharing the recipe!