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Ingredients
  • 1 can, 16 ounces refried beans
  • 1 cup chunky salsa
  • 1 cup shredded Monterey Jack cheese, (4 ounces)
  • 1 cup shredded cheddar cheese, (4 ounces)
  • ¾ cup sour cream
  • 1 (3 ounces) package cream cheese, softened
  • 1 tablespoon chili powder
  • ¼ teaspoon ground cumin, (or more to taste)
  • tortilla chips
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