INGREDIENTS
1 can
((16 ounces) refried beans)
1 cup
picante sauce
1 cup
shredded Monterey Jack cheese
1 cup
shredded cheddar cheese
3/4 cup
sour cream
1
package ((3 ounces) cream cheese, softened)
1 tbsp
chili powder
1/4 tsp
ground cumin ((or more to taste))
tortilla chips