This delicious layered dip combines refried beans (vegetarian), cream cheese, salsa and shredded monterrey jack/cheddar/mozz cheese.  Great for game watching or any gathering. Serve warm or warm it and serve cold with tortilla chips. 

• Hands on time: 0 minutes
  Cooking time: Oven: 20 minutes

•  

  If frozen, thaw completely in refrigerator. Preheat oven to 400F. Bake uncovered in preheated oven until top is puffy and heated through, about 15-20 minutes. Serve with tortilla chips for dipping.

   

• Ingredients: refried beans, cream cheese, salsa, Mexican cheese.