1- 8oz pkg cream cheese, softened
1 cup sour cream
2 cans (16 oz each) refried beans
1 packet taco seasoning
2 cups cheddar cheese, shredded
2 cups Monterey Jack cheese, shredded
Preheat oven to 350 degrees. Mix together cream cheese and sour cream. Mix in refried beans and stir in taco seasoning.
Spray bottom of 9x13 baking dish with cooking spray. Spread mixture evenly into dish and sprinkle with cheeses.
Bake for 25-30 minutes. Serve with tortilla chips.