Step 1

Pre-heat your oven to 350 degrees F and spray a 2-quart casserole dish with non-stick cooking spray.

Step 2

Combine sour cream and cream cheese. Add refried beans and taco seasoning. Use a mixer to combine.

Step 3

Stir in shredded cheddar cheese. Pour the dip into the prepared baking dish.

Step 4

Bake for about 30 minutes, or until the mixture is heated through and the cheese is melted.

Step 5

Serve with tortilla chips.