This is so good! I make this for football parties all the time; usually it is the first to go. This can be made ahead of time and baked right before it's time to eat. ** this recipe works well using Black Bean and Corn Salsa (Low Fat) by Kittencal
- Spread cream cheese in bottom of 8-in baking dish.
- In a bowl, warm refried beans in microwave for 2-3 minutes, then spread over cream cheese.
- Pour salsa over beans.
- Sprinkle cheese on top.
- Cover and bake 20 minutes. Remove cover and continue baking until cheese melts (about 10 minutes.).
- Garnish with black olives and tomatoes. Serve with tortilla chips.