Step 1

Heat large pot over medium heat and add olive oil and onion.  Cook until soft, 2-3 minutes, and then add garlic and bell peppers.  Cook for another 5 minutes.

Step 2

Add the beans, tomatoes, refried beans, tomato paste and all the seasonings.  Mix until combined and then add the broth and mix again.

Step 3

Cover chili, bring to a simmer and cook until thickened, at least 15 minutes but you can cook longer if you like.

Step 4

Serve hot with your favorite chili toppings!