Preheat the Oven: Preheat the oven to 350°F to get it hot and ready for baking the dip.
Mix the Ingredients: In a large mixing bowl, combine refried beans, softened cream cheese, sour cream, taco seasoning, garlic powder, onion powder, and chili powder. Stir until smooth and fully combined.
2 cans refried beans, 8 ounces cream cheese, 1 cup sour cream, 2 cups shredded cheese, 1 packet taco seasoning, 1/4 teaspoon garlic powder, 1/4 teaspoon onion powder, 1/2 teaspoon chili powder
Add the Cheese: Mix 1 cup of shredded cheese into the mixture for extra cheesiness. Reserve the second cup of cheese to sprinkle on top.
Transfer to Baking Dish: Spoon the mixture into a greased 9x13-inch baking dish. Spread evenly, then sprinkle the remaining cup of shredded cheese over the top. For added color, sprinkle a little taco seasoning or paprika.
Bake: Bake for 25-30 minutes, until the cheese is melted, bubbly, and slightly golden on top. Keep an eye on it toward the end to avoid overbrowning.
Serve: Let the dip cool for a few minutes after removing it from the oven. Serve warm with tortilla chips, crackers, or fresh veggie sticks like celery or bell peppers.
Tortilla chips or fresh veggies for dipping