Name: Texas Trash Dip (Cheesy Warm Bean Dip)
Prep time: 10 min
Cook time: 25 min
Total time: 35 min
Ingredients: 1 can (16 oz) refried beans; 1 bar (8 oz) cream cheese (room temperature); 1 cup sour cream; 1 packet taco seasoning (divided); 1 can (4 oz) chopped green chilies (drained); 1 cup shredded cheddar cheese; 1/4 cup finely chopped fresh cilantro ((optional garnish))

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Texas Trash Dip is a creamy warm bean dip, also called Texas bean dip, with a creamy refried bean mixture, taco seasoned green chilies, and lots of gooey cheese! Serve alongside a bag of tortilla chips and watch it disappear fast.

Try my Crockpot Bean Dip for a classic warm bean dip or make this family favorite Classic Seven-Layer Dip.

A photo of cheesy bean dip with a finger holding a chip for dipping.

Texas Trash Warm Bean Dip Recipe

This Texas trash dip recipe (aka – trashy dip) is the perfect appetizer for your next party, large gathering, or a game day during football season. This delicious dip is always a crowd pleaser with it’s creamy bean texture and gooey cheese.

In fact, I could make a meal out of this warm bean dip – cause it’s just that good! Instead of an appetizer, try serving it alongside some Quick & Easy Chicken Flautas as a fun dipping option for dinnertime. It also makes for a great side dish for enchiladas or tacos.

Simple to make with a few easy ingredients! Let’s learn how to make cheesy Texas trash dip with my simple to follow instructions and lots of tips below.

Overhead pic of the dip inside a pie plate with melted cheese on top.

Simple Ingredients Needed

Refried Beans : One can of refried beans is the base of this cheesy refried bean-based dip. Use regular refried beans or try using a can of spicy refried beans, low-fat, vegetarian, or a can of cheesy refried beans.
Cream Cheese
Sour Cream : For the best taste and thick creamy texture I highly recommend using full-fat dairy products for the cream cheese and sour cream in this Mexican bean dip.
Taco Seasoning Packet : A package of taco seasoning mix provides all the flavor for the dip – use your favorite packet of seasoning; mild, regular, low-sodium, or spicy.
Chopped Green Chiles : A small can of chopped green chilies in either mild, medium, or hot heat will work. I use mild green chilies when I make this dip.
Shredded Cheddar Cheese
Chopped Fresh Cilantro : This is an optional garnish topping for serving the dip. You don’t need to use it, in fact, I rarely do just because most of my kids don’t like cilantro. Especially when they can see it!

How To Make Cheese Texas Trash Dip (Full Recipe Card)

Preheat the oven to 350 degrees F. Prepare a 9-inch pie dish, or similar sized shallow baking dish, and spray with non-stick cooking spray.

Spread the refried beans evenly into the bottom of the prepared dish.

In a large bowl, add the softened cream cheese, sour cream, and half of the taco seasoning from the packet. Mix together until well combined and smooth.

In a separate smaller bowl, mix together the chopped green chilies and the remaining taco seasoning from the packet.

Layer the cream cheese mixture over the refried beans in an even layer, followed by the seasoned green chilies.

Sprinkle the shredded cheddar cheese evenly over the top for the final layer.

Bake for 25-30 minutes or until the dip is heated through and the cheese is melted, bubbly, and slightly browned.

Remove from the oven and let it cool at room temperature for 5 minutes before serving. Garnish with chopped fresh cilantro (if wanted) and serve hot with tortilla chips for dipping.

Can I Make Substitutions?

There are a few ingredients that can easily be substituted in this recipe. Here are some ideas and suggestions to get you started.

Sour Cream : Use plain greek yogurt or Mexican Crema instead of sour cream. If wanted, use reduced-fat or lite sour cream.
Refried Beans : There are lots of different varieties of canned refried beans so feel free to experiment and use your favorite one here. I prefer the classic and original refried beans.
Taco Seasoning : Use your favorite store-bought packet of taco seasoning or use homemade taco seasoning. I prefer using a packet of mild taco seasoning.
Cheese : There are so many types of cheese so get creative, try something new, and use your favorite! Mild or medium cheddar is always a great idea, Monterey Jack cheese, pepper jack cheese, or try a Mexican cheese blend.
Garnishes : Garnish this dip with anything you want to give it a little extra oomph of flavor – try chopped black olives, even more shredded cheese, sliced green onions, sliced jalapeños, dollops of sour cream, or a layer of guacamole.

Serving Suggestions For Cheesy Texas Trash Dip

Tortilla Chips : Sturdy tortilla chips are the classic choice for scooping up this creamy and hearty dip. Use your favorite tortilla chips!
Fritos Scoops : The saltiness and crunch of corn chips provide a nice contrast to the creamy dip. I love the Fritos scoops chips because they are perfect for scooping up the dip with.
Sliced Vegetables : Offer a healthier option serve with sliced bell peppers (all the colors of bell pepper work here), carrot sticks, or celery sticks.
Quesadillas : Make some cheese quesadillas and cut them into wedges and serve them alongside the dip for a more substantial appetizer.
Frozen Taquitos & Frozen Mini Tacos : I love to purchase some frozen tacos and taquitos from the store and bake them up to serve as dipping options for the bean dip.
Guacamole & Salsa : Provide additional dips, like Salsa Verde Guacamole and your favorite salsa, for a variety of dipping options and flavors and textures.

Overhead of the dip inside the plate with cilantro and chips on the side.

Recipe FAQ’s

How Should I Store Leftovers?

Any leftover dip should be stored in an airtight container, in the fridge, for up to 3-4 days. To reheat, heat the dip in the microwave or on the stove top until heated through. Add a splash of milk if needed to thin it out slightly.

Can I Make This Dip Ahead of Time?

Yes, you can assemble this dip ahead of time up to 24 hours in advance, cover the dish well, and refrigerate until ready to bake. Add an extra 5-10 minutes to the baking time if the dip is being baked cold from the refrigerator. You can also let the dip sit out at room temperature for 20 minutes, so it can get closer to room temperature, before baking.

Can I Add Meat To Texas Trash Bean Dip?

Yes, you can add cooked and crumbled ground beef or chorizo for a heartier dip. Brown the meat and drain excess fat before layering it over the refried bean layer. Season the meat however you prefer if wanted.

Can I Use Homemade Refried Beans?

Absolutely! I love using homemade refried beans in recipes that call for a can. I have made these Slow Cooker Refried Beans several times and loved it! You will need about 1.5 cups to 2 cups of refried beans to equal the can.

How Can I Make This Dip Spicier?

Add a can of chopped jalapeños (either in addition to or instead of the green chilies), use shredded Pepper Jack cheese, add some hot sauce or cayenne red pepper to the cream cheese mixture, use a packet of spicy taco seasoning, or try garnishing the cheesy dip with sliced or chopped jalapeños.

Close up of the cheesy dip with a chip being dipped into it.

Try These Other Dip Recipes

Texas Trash Dip (Cheesy Warm Bean Dip)

Author Jessica – Together as Family

Course Appetizer

Cuisine Mexican

Prep Time 10

Cook Time 25

Total Time 35

Texas Trash Dip is a creamy warm bean dip, also called Texas bean dip, with a creamy refried bean mixture, taco seasoned green chilies, and lots of gooey cheese! Serve alongside a bag of tortilla chips and watch it disappear fast.

Ingredients

▢ 1 can (16 oz) refried beans
▢ 1 bar (8 oz) cream cheese room temperature
▢ 1 cup sour cream
▢ 1 packet taco seasoning divided
▢ 1 can (4 oz) chopped green chilies drained
▢ 1 cup shredded cheddar cheese
▢ 1/4 cup finely chopped fresh cilantro (optional garnish)

Instructions

Preheat the oven to 350 degrees F. Prepare a 9-inch pie dish, or similar sized shallow baking dish, and spray lightly with non-stick cooking spray.
Spread the refried beans evenly into the bottom of the prepared dish.
1 can (16 oz) refried beans
In a large bowl, add the softened cream cheese, sour cream, and half of the taco seasoning from the packet. Using an electric hand mixer, beat together until well combined and smooth.
^{* No need to measure out half of the taco seasoning. Just guess and that's good enough!}
1 bar (8 oz) cream cheese, 1 cup sour cream, 1 packet taco seasoning
In a separate smaller bowl, mix together the chopped green chilies and the remaining taco seasoning from the packet.
1 can (4 oz) chopped green chilies
Layer the cream cheese mixture over the refried beans in an even layer, followed by the seasoned green chilies.
Sprinkle the shredded cheddar cheese evenly over the top for the final layer.
1 cup shredded cheddar cheese
Bake for 25-30 minutes or until the dip is heated through and the cheese is melted, bubbly, and slightly browned.
Remove from the oven and let it cool at room temperature for 5 minutes before serving. Garnish with chopped fresh cilantro (if wanted) and serve hot with tortilla chips for dipping.
1/4 cup finely chopped fresh cilantro

Notes

Spicy Dip? : Add a can of chopped jalapeños (either in addition to or instead of the green chilies), use shredded Pepper Jack cheese, add some hot sauce or cayenne red pepper to the cream cheese mixture, use a packet of spicy taco seasoning, or try garnishing the cheesy dip with sliced or chopped jalapeños.

Taco Seasoning & Green Chilies : I use mild taco seasoning and I usually don’t use the entire can of diced green chilies – as my family doesn’t love the chunks of them. I probably use closer to half of the can only when I make this recipe. You can also just skip the diced green chilies layer all together.

Cheese : For the best creamy melt I highly recommend shredding your own cheese from a block with a cheese grater. Any cheese that you love can be used in this dip recipe!

Nutrition

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