Preheat your oven to 350 degrees and spray a 2 quart casserole dish with non-stick cooking spray.
Combine sour cream, cream cheese, andtaco seasoning with a mixer. When well combined, stir in chili beans or refried beans. You can also stir in salsa at this point, if you’d like.
Stir in shredded cheddar cheese, then pour the dip into your prepared baking dish.
Bake for about 30 minutes, or until the mixture is heated through and the cheese is melted. You can also microwave for about 5 minutes, stirring every couple of minutes. Baking provides the best result.