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    Home » Recipes » Appetizer

    Published: Feb 16, 2024 by Melinda O'Malley Keckler · This post may contain affiliate links · this blog generates income from ads.

    5 Layer Bean Dip

    Jump to Recipe Print Recipe

    If a quick and easy appetizer is needed, 5 Layer Bean Dip is here to the rescue! This bean dip is always a popular appetizer for parties or gatherings featuring five layers of delicious, taco-inspired flavors. It's a classic, eye-appealing way to enjoy bean dip and it's ready in 15 minutes!

    Serve it with a bowl of Homemade Guacamole with Fresh Herbs on the side and Individual Charcuterie Cups for a tasty and delicous appetizer round.

    A dish of 5 layer bean dip.
    Jump to:
    • ⭐ Why You'll Love 5 Layer Bean Dip
    • 🌮 Ingredients to Have on Hand
    • 📖 Substitutions for 5 Layer Bean Dip
    • 🥗 Step-by-Step Instructions
    • 💭 Recipe FAQs
    • 🌮 What to Serve with 5 Layer Bean Dip
    • 🥣 Leftovers and Storage
    • 🍽 More Appetizer Recipes
    • Recipe
    • Comments

    ⭐ Why You'll Love 5 Layer Bean Dip

    It's incredibly easy to make with minimal prep and no cooking. It's a convenient appetizer option for parties, potlucks, holidays or casual get-togethers. I like to serve it as a starter before enjoying Pinto Bean Chili.

    For many folks, including everyone in my family, 5 Layer Bean Dip is a nostalgic recipe because it's so often associated with our family gatherings, celebrations and holidays. I have made this recipe countless times over the years, it's a favorite to serve with Oven-Baked Beef Burritos and Easy Mexican Fried Rice.

    While everyone may have a slightly different way of assembling it, the familiarity of the flavors and layers in this bean dip can stir up some great memories and even a sense of tradition.

    It's the ultimate crowd-pleasing appetizer. The combination of classic Mexican flavors and familiar ingredients makes this a bean dip that's hard to resist. Rarely any leftovers!

    🌮 Ingredients to Have on Hand

    Labeled ingredients for five-layer taco dip on a wooden table.

    Refried Beans: There are different varieties of refried beans. I usually make this with (affiliate links) vegetarian-style refried beans. You could also use refried black beans.

    Sour Cream: This adds that spicy, cream layer to the dip because we blend it with garlic salt, chili powder and cumin. You could also swap the sour cream for Greek yogurt or even a dairy-free alternative like coconut or almond-based yogurt.

    Shredded Cheese: I prefer using store-bought Mexican Style 4 Cheese Blend because I love the texture of the shredded cheese and the flavor combination of Monterey Jack, Cheddar, Asadero and Queso Quesadilla cheese. But mix things up by using a blend of cheeses including pepper jack or Sharp Cheddar cheese. Use whatever type of cheese you have on hand.

    For a long time, my kids called this recipe a "walking taco" because of how we served it. The kids would scoop up large portions of the dip onto a plate and toss a few tortilla chips on the side, making it a portable version of a taco while entertaining!

    Scroll to the recipe card below for a full list of ingredients and measurements.

    📖 Substitutions for 5 Layer Bean Dip

    One of the best things about this Mexican-inspired bean dip is how versatile it is. Experiment with different ingredients to customize the flavors that your family will love. Here are some ideas:

    Salsa: Try different types of salsa such as mango salsa or roasted tomato salsa to add unique flavor and texture. Fresh pico de gallo is also a delicous option!

    Olives: Substitute black olives for sliced green olives or if you recently made Easy Edamame Salad and have kalamata olives on hand, use those instead for an extra tangy flavor.

    Onions: In place of green chilis - or in addition to them - experiment with diced red onions or green onions.

    Jalapenos: To add a little spicy kick to the bean dip, sprinkle diced jalapeno peppers on top of the shredded cheese, or stir them into the refried bean and salsa mixture.

    Taco Seasoning: If there's a favorite blend of taco seasoning that you like to use for tacos you can swap out a tablespoon of a store-bought taco seasoning in place of the garlic salt, cumin and chili powder.

    🥗 Step-by-Step Instructions

    Salsa added to refried beans in a dish.

    Step 1: Empty contents of the canned refried beans into a medium-sized bowl. Add the salsa and stir to combine. (Photo #1)

    Step 2: Spread the bean and salsa mixture into a pie plate or a shallow, 9"x 9" baking dish. Use the back of a spoon to spread it evenly across the bottom of the dish. (Photo #2)

    Refried beans in a dish and sour cream with spices in a bowl.

    Step 3: If you are using a pie dish, spread the refried beans onto the sides of the dish. The edges of the pie dish are angled making that a great option. (Photo #3)

    Step 4: In a small bowl, combine the sour cream with the garlic powder, chili powder and cumin. Stir to combine. (Photo #4)

    Layered taco dip with sour cream.

    Step 5: Place all of the sour cream on top of the refried beans in the dish. (Photo #5)

    Step 6: Spread the sour cream to the edges of the dish to cover the refried beans. (Photo #6)

    Taco dip with shredded cheese and diced tomatoes.

    Step 7: Sprinkle the shredded cheese on top of the sour cream. (Photo #7)

    Step 8: Top the shredded cheese with the diced tomatoes. (Photo #8)

    Taco dip assembled in a dish on a counter.

    Step 9: Add the remaining ingredients as your final layer including green chilis, olives and cilantro, if you enjoy cilantro.

    💭 Recipe FAQs

    Can I add a layer of guacamole?

    Absolutely! I suggest adding it on top of the refried bean and salsa layer and before you add the sour cream. This will keep air off the guacamole and help ensure it won't turn brown.

    Should I heat the refried beans?

    The refried beans are ready to eat right from the can, there's no need to heat them unless you would like to have a warm, bottom layer for this dip which is a tasty option to consider.

    Can I make this the day before I serve it?

    Yes, you can make layered bean dip a day in advance. Assemble the layers, cover the dish with plastic wrap and refrigerate until you are ready to serve and eat.

    Why is the salsa blended with the refried beans?

    Over the years, I found that when the salsa was spread as a separate layer it was easy to smear it with the sour cream. By blending the beans with the salsa we get all the great taste and we get to keep the beautiful layers!

    Could I swap the layers and top the dip with shredded cheese?

    Sure thing. I like how the shredded cheese creates a nice barrier between the sour cream and the diced chilis, black olives and cilantro which tend to have a little moisture in them. But cheese on top is equally tasty!

    A hand holding a chip scooping up a serving of taco dip.

    🌮 What to Serve with 5 Layer Bean Dip

    Tortilla Chips: This is the natural choice for dipping, and they will help create a taco-like flavor and texture combination. The classic choice!

    Pro Tip: For variety, serve 5 Layer Bean Dip with a combination of white and blue corn tortilla chips.

    Pita Chips: These are good with 5 Layer Bean Dip partly because they are a little sturdier than tortilla chips, making it easy to scoop up a big serving of dip.

    Potato Chips: Be sure to use a sturdy potato chip, ones that are a thicker variety so it'll hold up to the weight of the bean dip. The potato chip flavors go great with the flavors in the bean dip!

    Fresh Vegetables: For folks who might be watching carbs or want to enjoy the freshness of veggies with the bean dip, serve with carrot and celery sticks, green or red pepper strips and cucumber slices.

    🥣 Leftovers and Storage

    In the unlikely event that the entire bean dip isn't gobbled up, cover the leftovers with plastic wrap and place the dish in the refrigerator. For the best flavor and freshness, enjoy the leftovers within two days.

    🍽 More Appetizer Recipes

    Without a doubt, 5 Layer Bean Dip is an easy and delicious, family favorite recipe. Another spicy appetizer that gets rave reviews is Jalapeno Bacon Mummies, which is a whimsical spin on jalapeno poppers. Here are a few more recipes for you to enjoy!

    • Homemade pico de gallo in a bowl with lime.
      Pico de Gallo with Jalapeño and Lime
    • A baking dish with creamy shrimp and crab dip.
      Delicious Crab and Shrimp Dip
    • Close-up of spiced walnuts roasted with cinnamon and sugar in a jar.
      Spiced Walnuts
    • A small bowl of shrimp cocktail with lettuce, lemon, celery and avocado.
      Shrimp Cocktail Cups

    If you tried Easy Layered Taco Dip or any other recipe on my website, please leave a 🌟🌟🌟🌟🌟 star rating and let me know how it goes in the comments below.

    Recipe

    Five layered taco dip in a serving dish on a table with chips.

    5 Layer Bean Dip

    Five Layer Bean Dip is an always-popular appetizer for parties or gatherings featuring five layers of delicious, taco-inspired flavors. It's a classic, eye-appealing way to enjoy bean dip and it's ready in 15 minutes! Serve along with chips and a bowl of Pico de Gallo with Jalapeno and Lime. Delicious too with sliced cheese and Spiced Walnuts. Here's another recipe I think you'll love: Homemade Taco Seasoning!
    5 from 62 votes
    Print Rate Pin Recipe
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    Prep Time: 15 minutes minutes
    Cook Time: 0 minutes minutes
    Total Time: 15 minutes minutes
    Servings: 6
    Calories: 168kcal
    Author: Melinda O'Malley Keckler

    Ingredients 

    • 1 16 ounce can refried beans
    • ½ cup salsa
    • 1 cup sour cream
    • ½ teaspoon garlic salt - - you can substitute the garlic salt, cumin and chili powder for 1 ½ teaspoons of Homemade Taco Spice.
    • ½ teaspoon cumin
    • ¼ teaspoon chili powder
    • 1 cup Mexican Style 4 Cheese Blend - or any shredded cheese of your choice such as Cheddar or Monterey Jack
    • 1 cup diced tomato
    • 1 2.25 ounce can sliced black olives
    • 1 4 ounce can green chiles
    • ½ cup fresh cilantro, chopped

    Instructions

    Blend Ingredients

    • Empty contents of the refried beans into a medium-sized bowl. Add the salsa and stir to combine. Spread the bean and salsa mixture into a pie plate or a shallow, 9"x 9" baking dish.
    • In a small bowl blend the sour cream, garlic salt, cumin and chili powder. Spoon the sour cream mixture on top of the refried beans and spread the sour cream to the edges, being careful not to blend the two layers.

    Create Layers

    • Sprinkle the cheddar cheese across the top of the sour cream.
    • Drain the canned, sliced olives and spread them evenly on top of the cheese.
    • Dice the tomato into very small, bite-sized chunks and spread the tomato on top of the cheese.
    • Spread the green chilis on top of the diced tomatoes then top with the chopped, fresh cilantro.

    Refrigerate Until Serving

    • Cover and refrigerate until serving. Enjoy with crunchy crackers, tortilla chips, chopped vegetables or thick, sturdy potato chips.

    Notes

    I prefer using store-bought Mexican Style 4 Cheese Blend because I love the texture of the shredded cheese and the flavor combination of Monterey Jack, Cheddar, Asadero and Queso Quesadilla cheese. But mix things up by using a blend of cheeses including pepper jack or Sharp Cheddar cheese. Use whatever type of cheese you have on hand.
    Serve with plenty of crackers, sliced vegetables and Herb and Garlic Dip. 

    Nutrition

    Calories: 168kcalCarbohydrates: 6gProtein: 6gFat: 14gSaturated Fat: 8gPolyunsaturated Fat: 1gMonounsaturated Fat: 3gCholesterol: 41mgSodium: 489mgPotassium: 206mgFiber: 1gSugar: 3gVitamin A: 698IUVitamin C: 5mgCalcium: 194mgIron: 1mg

    Please note, the nutrition details are estimated using a food database. The data above is a rough estimate, not an exact science.

    Did you try this recipe? Leave a comment below or @crinkledcookbook on Instagram, snap a photo and tag it #crinkledcookbook

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