In a mixing bowl, combine the beans, sour cream, chiles, spices, and most of the cheese, reserving some for the top. Stir to combine.
Transfer the mixture to a small baking dish. Top with the reserved cheese. Bake for 20 minutes until the cheese is melted and the dip is bubbling around the edges.
Serve with your favorite dippers.
Notes
To make on the stove top, add the ingredients to a saucepan and stir to combine. Heat on low until the cheese is melted and the dip is warmed through. Transfer to a serving bowl, garnish, and serve.
Store in an airtight container in the refrigerator for 3-4 days. Reheat in the microwave.
Use this dip in any recipe where you would use refried beans - tostadas, burritos, tacos, nachos, layered dips, etc.