In a large mixing bowl, mix 1 cup full-fat sour cream, 8 ounces full-fat cream cheese, and 2 tablespoons taco seasoning together until well combined.
Spread the refried beans into an even layer in a heat-safe 8x8 pan or a 2-quart casserole dish. Dollop the cream cheese mixture on top of the beans, gently spreading it out into an even layer to fully cover the beans. Sprinkle the cheese evenly over the top of the dip.
Bake for 20-25 minutes, or until the cheese is melted and the dip is warmed through.
For the fresh tomato topping: While the dip is baking, combine tomatoes, onions, and cilantro together in a small bowl with a pinch of salt.
Remove the dip from the oven and top with the tomato topping (or toppings of choice). Serve with your favorite tortilla chips.
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Notes
Taco Seasoning: Feel free to use homemade taco seasoning, a packet of taco seasoning, or simply use 1 teaspoon of paprika, 1 teaspoon cumin, 1 teaspoon chili powder, ½ teaspoon garlic powder, ½ teaspoon onion powder, and ½ teaspoon salt. Topping Options: Take a shortcut and top the taco dip with prepared salsa. Or use your favorite taco toppings (like shredded lettuce, olives, guacamole, etc.)Sour Cream/Cream Cheese: Feel free to use reduced-fat cream cheese/sour cream but don't use fat-free--it won't be as creamy.The serving size is about ¼ cup of the dip and nutritional information is based on using full-fat cream cheese and full-fat sour cream. Leftovers: Allow the dip to cool and refrigerate for up to 3 days. Reheat as desired in a heat-safe dish in the microwave.