Start by adding the drained black beans to a food processor. Pulse them until they form a thick but slightly textured paste. I like leaving a bit of texture for a more rustic feel.
Transfer the bean mixture to a bowl and add softened cream cheese and sour cream. Stir until everything is smooth and well combined. This is where the dip starts to look rich and inviting.
Mix in the salsa, green onions, cumin, chili powder, and salt. Each ingredient builds layers of flavor, so make sure everything is evenly distributed.
Fold in half of the shredded cheddar cheese, saving the rest for topping. This ensures the dip stays cheesy throughout and not just on the surface.
Spread the mixture into a baking dish and sprinkle the remaining cheese on top. Heat it in the oven or microwave until warm and bubbly. The melted cheese creates an irresistible finish.
Remove the dip from heat and let it cool slightly. Serve it warm with tortilla chips on the side for easy scooping.