1 (8 ounce) package cream cheese
2 (16 ounce) cans of refried beans
1 cup sour cream
1 taco Seasoning packet (either mild or hot)
1 can (7 ounces) chopped green chiles
1/8–1/4 teaspoon ground cayenne pepper (to taste)
2 cups shredded Monterey Jack cheese
2 cups shredded Cheddar cheese
1 cup diced tomatoes
1/2 cup sliced green onions
1 jalapeno thinly sliced
Melt the cream cheese in a large skillet over very low heat. Stir in the refried beans, sour cream, taco seasonings, green chiles, ground cayenne pepper, 1/2 cup Monterey Jack Cheese and 1/2 cup cheddar cheese; cook until smooth and slightly melted.
Spoon into a 9×13 casserole dish and top with the remaining cheese.
Bake at 350 degrees for 25-30 minutes, or until cheese is melted. Serve with tortilla chips.