01 - Preheat your oven to 350°F.
02 - In a mixing bowl, combine refried beans, sour cream, and cream cheese. Mix until completely smooth and creamy.
03 - Stir in red onion, garlic, jalapeño, cumin, chili powder, smoked paprika, salt, and black pepper until evenly distributed.
04 - Fold in 1 cup of the shredded cheddar cheese until well blended.
05 - Transfer the mixture to a lightly greased 1-quart baking dish or pie plate, spreading evenly.
06 - Sprinkle the remaining 1/2 cup cheddar cheese evenly over the top.
07 - Bake for 18-20 minutes until hot and bubbly throughout and the cheese is fully melted.
08 - Remove from oven and let cool for 3-5 minutes. Garnish with cilantro, diced tomato, and green onions if desired.
09 - Serve warm with tortilla chips, veggie sticks, or crackers for dipping.