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Cream Cheese Bean Dip

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Cream cheese bean dip is an easy appetizer recipe perfect for parties! Cream cheese, refried beans, Rotel, cheeses, and spices pack this tasty bean dip with tons of flavor.

If you’re hosting a game day party or potluck be sure to pair this with crockpot chili cheese dip or slow cooker spicy queso to round out your party spread!

Creamy Bean Dip topped with crumbled cotija cheese

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Cinco de Mayo is just a few days away, so if you are having a party or just making a festive dinner for your family, I have one more recipe for your fiesta!  I used to love the Pintos and cheese dip at Taco Bell when I was growing up and it inspired me to make a bubbly, creamy bean dip recipe with cream cheese, Rotel, lots of spices and top the whole dish with crumbly cotija cheese!

Creamy Bean Dip and tortilla chips

This is definitely not your basic refried bean dip! The spices, big bursts of flavor from the tomatoes and chilis, melty strings of cheddar cheese and that slightly salty cotija cheese all come together for a big ol’ fiesta in your mouth!  And the warm creamy bean dip is the best partner in crime for crunchy, crispy tortilla chips!


  • refried beans
  • Rotel tomato & green chiles
  • cream cheese
  • shredded cheddar cheese
  • cumin, garlic powder, onion powder, chili powder, oregano
  • cotija cheese for topping

Step by step

  1. Preheat your oven.
  2. In a large bowl stir together cream cheese, refried beans, Rotel, shredded cheese and spices.
  3. Spread the mixture in a baking dish and bake for 30 minutes.
  4. Top with cotija cheese and serve warm.


  • substitute taco seasoning for all the spices
  • use salsa instead of Rotel
  • garnish with a dollop of sour cream or fresh cilantro
  • spice it up with diced jalapeño pepper
  • add in diced onion
  • use Mexican blend or monterey jack cheese instead of cheddar

Serving suggestions

If a dip isn’t really your style, you could roll the flavorful bean mixture inside tortillas for a big pan of bean and cheese enchiladas!  Or use it for Mexican pizzas, quesadillas or taco salads!

If you try this recipe please comment and rate it below, I love hearing from you!

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cream cheese bean dip in white bowl

Creamy Bean Dip

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5 from 1 review


Cream cheese bean dip is an easy appetizer recipe perfect for parties! Cream cheese, refried beans, Rotel, cheeses, and spices pack this tasty bean dip with tons of flavor.


  • 1 can refried beans
  • 1 small can Rotel (drained (mild or hot to taste))
  • 4 oz. softened cream cheese
  • 1/3 cup shredded sharp cheddar cheese
  • 1 tablespoon chili powder
  • 1/4 teaspoon garlic powder
  • 1/4 teaspoon onion powder
  • 1/4 teaspoon oregano
  • 1 1/2 teaspoon cumin
  • 1/3 cup crumbled cotija cheese


  1. Preheat oven to 350*.
  2. In a bowl, stir together all ingredients except cotija cheese.
  3. Spread the bean mixture in an 8×8 baking dish.
  4. Bake until bean dip is bubbly and hot – 30-35 minutes.
  5. Remove from oven and sprinkle with crumbed cotija cheese.


Spices can be replaced with a packet of your favorite taco seasoning.
Cotija cheese is a Mexican crumbling cheese similar to feta. If you cannot find cotija cheese, you can use additional cheddar cheese or quesadilla cheese.

  • Prep Time: 5 minutes
  • Cook Time: 30 minutes
  • Category: appetizer
  • Method: baking
  • Cuisine: Mexican


  • Serving Size:
  • Calories: 170
  • Sugar: 1.9 g
  • Sodium: 369.4 mg
  • Fat: 13 g
  • Carbohydrates: 7.9 g
  • Fiber: 3.1 g
  • Protein: 6.4 g
  • Cholesterol: 34.2 mg




Its easy! I will show you how.

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