1 (15 ounce) can refried beans |
1 cup picante sauce (your choice) |
1 cup shredded monterey jack cheese |
1 cup shredded cheddar cheese |
3/4 cup sour cream |
1 (3 ounce) package cream cheese, softened |
1 tablespoon chili powder |
1/4 teaspoon ground cumin |
tortilla chips |
salsa |