Cream Cheese Bean Dip

This Cream Cheese Bean Dip recipe is our new favorite Mexican dip! With sour cream, cream cheese, Mexican cheese, refried beans, and salsa, it is the perfect dip to eat with chips, tacos, or any other Mexican dish! SOO good!!

mexican dip

Refried Bean Dip Recipe

Did you know that Tex-Mex and Mexican food (Sonoran-style) are TOTALLY different?? I’ve learned that being in Houston the past year and whenever I ask someone for a great Mexican restaurant they always suggest a Tex-Mex place. These places are usually good but are tons different from the typical Mexican places I’m used to visiting in Arizona. We still enjoy Tex-Mex, but because we have yet to find a Sonoran Mexican food chain we enjoy here, I’ve had to learn how to make some of the recipes we enjoy back home in AZ, like today’s Cream Cheese Bean Dip.

It’s sad that it took moving away to actually learn how to make most of these recipes, but I’m glad I have because we enjoy a Mexican meal at least once a week. I have finally mastered Rice, Tacos, Enchiladas (Chicken and Cheese), and a few others. I’ve also learned how to make Salsa (Red and Green) and have even tried a few Queso-type dips, all of which have been super tasty. But I’ve been on the hunt for a good Bean Dip recipe (one similar to that of Gecko Grill in Arizona) and recently found one that may taste even better! Let me tell you right now, it is the perfect marriage of refried beans, cream cheese, and cheese.


chili cream cheese dip

How to Make Cream Cheese Taco Dip:

I knew cream cheese had to be in the recipe and was so excited to experiment and find a recipe for Cream Cheese Bean Dip that the whole family enjoyed. I finally figured out the perfect combination of ingredients and it turns out it only took these 5 ingredients!

  • sour cream
  • refried beans
  • cream cheese
  • taco seasoning
  • Mexican cheese

We also like to add a little bit of our favorite salsa to the dip for a little kick.

Overall, this recipe only takes minutes to put together. All you have to do is mix the beans, cream cheese, and sour cream until well combined. Add in the taco seasoning and salsa. Once everything is mixed, pour into an 8×8 pan and top with the shredded cheese. Bake for 25 minutes at 350°, and serve warm with your choice of chips, tacos, or nachos!


The hubby couldn’t stop eating this recipe – he loved it! I may have had my fair share of chips and dip too! 😉 I seriously cannot wait to make this again! It’s a great recipe to make for parties when serving tortilla chips (or our FAVORITE Loaded Nachos), or would even be great served with some warm tortillas.

For more bean dip recipes, check out:

Cream Cheese Dip recipe VIDEO:

4.9 from 19 votes

Cream Cheese Bean Dip recipe

This Cream Cheese Bean Dip recipe is our new favorite Mexican dip! With sour cream, cream cheese, Mexican cheese, refried beans, and salsa, it is the perfect dip to eat with chips, tacos, or any other Mexican dish! SOO good!!

Course Appetizer
Cuisine Mexican
Prep Time 5 minutes
Cook Time 25 minutes
Total Time 30 minutes
Servings 8 cups
Calories 257 kcal
Author Kristyn Merkley


  • 1 c. sour cream
  • 16 oz. can refried beans
  • 4 oz. cream cheese softened
  • 1 pkg taco seasoning
  • 1 c. Mexican cheese
  • salsa up to 1/4 cup of your favorite kind - optional


  1. Preheat to 350.

  2. Mix beans, sour cream, and cream cheese in a bowl until well combined. Add taco seasoning and salsa.

  3. Pour into 8x8 pan. Top with cheese and bake for 25 minutes.

  4. Serve hot with tortilla chips. ENJOY!

Nutrition Facts
Cream Cheese Bean Dip recipe
Amount Per Serving (0.5 c)
Calories 257 Calories from Fat 171
% Daily Value*
Total Fat 19g 29%
Saturated Fat 11g 55%
Cholesterol 59mg 20%
Sodium 953mg 40%
Potassium 86mg 2%
Total Carbohydrates 10g 3%
Dietary Fiber 3g 12%
Sugars 3g
Protein 10g 20%
Vitamin A 20.5%
Vitamin C 2.7%
Calcium 26%
Iron 6%
* Percent Daily Values are based on a 2000 calorie diet.


Beans and Cream Cheese Dip Recipe

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    This looks amazing, and very similar to a fabulous dip I had at a party last month. NOW, I have the recipe and can’t wait to try it!
    Melanie recently posted..Wyndham Vacation RentalsMy Profile

      Lil' Luna

      Thanks, Melanie! You’ll have to let me know if you give it a try – it’s really so good!! PS – How was Haven?


    Thank you – nice recipes.

    [email protected]

    Can’t wait to try this recipe out! Pinned!

    [email protected]

    This looks yummy! I’ve made one with cream cheese cheese before and it was SO good! Can’t wait to try this recipe!
    [email protected] recently posted..DIY Chore Chart {Hello Summer}My Profile

      Lil' Luna

      Cream Cheese is definitely the key ingredient in this recipe – makes it so good!!

    Angel Kelly

    I made this dip for my family and they loved it!
    I thought the cream cheese would make it taste “different” but it just made it taste fab!
    Thanks for the recipe!


    This looks SO good! I’m totally loving cream cheese right now. Just wanted to let you know I’ve included your dip in my list of cream cheese recipes at!

    Thanks for the great recipe!
    Jordan recently posted..Link Love: Ahhmazing Recipes with Cream CheeseMy Profile


    Can this be made in the crockpot?


    Thanks Kristyn for the nice recipes. Hi to Lily and have a great weekend.


    What is Mexican cheese? Could you just use tasty?

      Lil' Luna

      Mexican cheese is usually a blend of different cheeses like Moneterrey Jack, Colby Jack, Cheddar, etc. but you can use your favorite kind of cheese. 😉

    Jenetta Penner

    This looks delicious! Thanks for sharing. 🙂


    Oh my look so delicious. Just checking, is the cream cheese you use like Philly cream cheese (i.e. for cheesecakes from the cold section of the supermarket?) I am looking from Australia and there is also a jar version – just wanted to check I was buying the right one!

    Karen Feutz

    I just made this dip and have a comment. I think there is too much sour cream in the recipe. With the cream cheese and a whole cup of sour cream, the dip had very little bean flavor. Next time I will either cut the sour cream down to 1/2 cup or I will add another can of refried beans. Also one cup of cheese on top would be too much. I just covered the dip with a light layer of cheese. The dip could be really good with a few tweaks…less creamy ingredients…more bean flavor. I didn’t have taco mix so I used some Cholula hot sauce in the dip…

      Lil' Luna

      Hi Karen! Thanks for stopping by. As always, all recipes here can be modified to your liking. We love sour cream and cheese and love the recipe the way it is, but you are welcome to change it to your liking. 😉

      Liz Ofstad

      Steve accidentally put 20 oz of refried beans in instead of 16 and it was yummy.


    Beyond amazing. This is just about the best dip ever!!
    Amanda recently posted..Cake Mix Cookie CakeMy Profile


    I love this dip! PLUS I love all your other ones below, so now to choose! I plan on making a few dips for New Year’s Eve.. perfect for my party!
    Lovefoodies recently posted..Cranberry and White Chocolate CookiesMy Profile

    Ashley @ Wishes & Dishes

    I can see why this is your go-to appetizer! Looks heavenly!
    Ashley @ Wishes & Dishes recently posted..Chocolate Cupcakes and Hot Chocolate ButtercreamMy Profile

    Serena | Serena Bakes Simply From Scratch

    I love all the cheesy goodness in this dip! I could make it and enjoy it all to myself! Yum!
    Serena | Serena Bakes Simply From Scratch recently posted..Sugar Cookie RecipeMy Profile

    Ciao Florentina

    Holy cheese seduction ! I’m all about this insanity !
    Ciao Florentina recently posted..Italian Steak Recipe -Palermo StyleMy Profile


    I bet this dip would be the first to go!
    tanya recently posted..Caramel Almond Dark Chocolate Bark RecipeMy Profile


    Just stumbled across this recipe and made it for lunch because I had the ingredients on hand. I used spicy Black refried beans and spicy blend taco cheese. I had forgotten to soften the cream cheese so it wouldn’t stir in. So pulled out my hand mixer and whipped it so the cream cheese would break down. It came out super fluffy and creamy. Great Recipe Thanks for posting!


    This is a bland version from what I use. Replace the taco packet with enchilada packet and the refried beans with the beans with green chillies. It’s not to hot but lots more flavor.

    Deb Ramey

    The Cream Cheese Bean Dip sounds Amazing. I am going to try this, this weekend.

    Debbie Kearns

    Why did you say, “Combine beans, sour cream, and cream cheese in a bowl until well combined”, even though the sour cream is missing on your ingredient list?

      Debbie Kearns

      Oh, I forgot… the sour cream is at the top of the ingredient list. My bad.

      Lil' Luna

      Ha, no worries!! I hope you tried and liked the recipe!

        Debbie Kearns

        Yes, I did, just now. And it was pretty good. A bit spicy, but good. Thanks.


    looks yum – serve this in a taco instead of plain boring beans


    I make something similar but increase the salsa and add canned chili! I cube 2 packages of cream cheese and lay on the bottom of a (9×9?) casserole dish. Spoon over a small jar of salsa of choice, then two jars of chili with beans. Sprinkle with cheddar and bake at 350 until cheese is melted and it’s heated through! It’s always a hit!

      Lil' Luna

      Sounds amazing!! I’ll have to give that a try 🙂 Thanks for sharing!

    Bonnie Kate

    One of my absolute favorite things to take to a potluck/party or just make for myself. Super easy, always have the ingredients on hand, gives me a great way to use up those taco seasoning packets that always seem to accumulate in my pantry, and, most importantly, it tastes phenomenal. Quite frankly, this bean dip is lit.

    (I would rate this 5 stars, but the website won’t let me select it :/ )

      Lil' Luna

      Thank you so much!!! We love it too!!! Thank you for telling me 🙂


    I pour enchilada sauce over the beans before adding the cheese on top. Super yummy!


    Can I make this in a crock-pot?

      Lil' Luna

      I haven’t tried, but I don’t see why not! Let me know what you think! Thank you!

    Microwave oven cover

    Love this dip. Sounds yummy! Do you have any other simple dip recipes for the holidays
    Microwave oven cover recently posted..Best Blender In India 2017My Profile

    Katrina Rogerson

    I’ve been looking for some recipes from Gecko Grill for awhile, since my parents took me there while visiting them. I love there crab chili’s rellanos and the sauce is to die for. But thank you so much for the recipe for the cream cheese bean dip. In going to make it for the Super Bowl 2017.


    I love all these easy recipes that you put on. We love mexican food but we always loved to eat at Chee Chee”s but than they went out of business. Have you made any of there recipes before ? If so I would love to make some of them. I have M.S. and have brain fog alot so I have to keep looking at the recipe to be able to make things otherwise i forget and then sometimes my recipes with lots of ingredients don’t turn out. Thank you so much for all the recipes I just printed out of yours. Debbie

      Lil' Luna

      I have never tried making their recipes. I hope you like some of the ones you printed! I could eat Mexican food every day! Thanks for stopping by!


    Needed a tasty way to get rid of the 500 bags of Frito chips that come in the variety pack…(why so many? The world may never know)…and this recipe was perfect! So good! I was dipping before I could even get it into the oven. Thanks for sharing!

      Lil' Luna

      Haha!! It does come with a lot and this is the perfect recipe to use them with! So, glad you liked it! Thanks!


    Do you think this could go into the crockpot?


      Lil' Luna

      I don’t see why not! I haven’t tried, but I’m sure it would be great! Thanks!


    I made this and brought it to a BBQ dinner today! It was easy to make, fast, delicious, and got a lot of positive reviews! I’ll definitely make this one again! (Minor modifications: I added the entire package of cream cheese and sprinkled some chopped green onion on top of the cheese .) yum!

      Lil' Luna

      I’m glad you liked it! Your changes sound great! Thank you!

    Liz Ofstad

    Easy and good. Not the best I’ve ever had but definitely going on our list of yummy Mexican dishes. Thanks!

      Lil' Luna

      Thanks for giving it a try!

        Tanya Hanna

        This recipe looks soo good. I will try it today. Do you think it would be good if I added browned ground meat?


    Love the recipes.

    Pam kemp

    Thank you for not publishing my email address.


    Your recipes look and sound very delicious. I love the chip dips. First time looking, so I have a lot to look at and find other recipes I want to make. Thank you so much for sharing your recipes.

      Kristyn Merkley

      You are so sweet!! I’d love to know what you think of the ones you try! Hope you find some that look good to you 🙂


    This was so delicious! I loved it!! Thank yo for all your wonderful recipes!!! Everything always tastes good and turns out well for me!!

      Kristyn Merkley

      Awe, you are so nice! Thank you so much for sharing that! I am glad you do 🙂

    Charlotte from AZ

    Going to try your Cream Cheese Bean Dip…it sounds absolutely awesome!
    I see other recipes that I will try too…enjoy your blog!!

    Sylvia Birdwell

    I made the bean dip . It is sooooooo delicious. I love it!! Thanks for posting

    Sylvia Birdwell

    I love your website. It is easy to read and print. Love the pictures. It is so much better than the other sites I have been visiting. Thanks!!

      Kristyn Merkley

      You are so sweet! Thank you so much for letting me know!! I am glad you do & I am glad you liked the bean dip!

    Jeff Hawley

    Love this bean dip! Just made it for our family get together.


    Fast – Easy – Delicious. We doubled the beans because we like beans. It’s even good cold.

    Only changes are I leave out the salsa – that goes as a side – add the cheese (and sliced black olives) after the bake to keep the cheese from setting ir burning on top. This is so easy and customizable.

    Thanks for this new addiction.

      Kristyn Merkley

      You are so welcome!! And, yes, totally customizable 🙂 Thank you for sharing what you did!

    Jamie C

    I love Mexican food for feeding a crowd and this dip is one of those go-tos!

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