Step 1

Pre-heat the oven to 350 degrees. Mix together the cream cheese and sour cream until smooth.

Step 2

Add the refried beans and taco seasoning.

Step 3

Stir until well combined.

Step 4

Spray a 9x13-inch baking pan with cooking spray. Spread bean mixture evenly over the bottom of the baking dish.

Step 5

Top with the shredded cheese.

Step 6

Bake for 25 to 30 minutes, or until cheese has melted and is beginning to brown.

Step 7

Serve with tortilla chips.