
This meaty Texas Trash Dip transforms ordinary gatherings into memorable feasts. The combination of seasoned ground beef, creamy cheese base, and classic Tex-Mex flavors creates an irresistible appetizer that disappears fast at parties. I originally made this for a Super Bowl gathering and ended up having to make another batch before halftime.
I first created this dip when I needed something substantial for a football watch party. Now it's requested at nearly every gathering I host, and I've learned to make extra because it vanishes so quickly.
Ingredients
- Ground beef: Adds hearty protein and savory depth. Choose 80/20 for best flavor balance
- Onion and garlic: Create the aromatic foundation. Fresh garlic provides significantly better flavor than pre-minced
- Cream cheese: Provides the creamy base. Allow to soften at room temperature for easier mixing
- Sour cream: Adds tanginess and smooth texture. Full fat works best for richness
- Diced tomatoes with green chilies: Brings perfect balance of acidity and heat. Drain well to prevent watery dip
- Refried beans: Creates substantial texture and authentic Tex-Mex flavor. Traditional style gives best results
- Chili powder and cumin: Provide signature southwest flavor profile. Look for fresh spices for maximum impact
- Cheddar cheese: Forms the golden melty top layer. Grate from a block for better melting properties
- Green onions: Add fresh contrast and visual appeal. Choose vibrant ones with firm white parts
Step-by-Step Instructions
- Prepare Your Baking Dish:
- Preheat your oven to 350°F and lightly grease a 9x13 baking dish. Using ceramic or glass works best as they retain heat well and keep the dip warm longer when serving.
- Brown The Meat Mixture:
- Heat a large skillet over medium-high heat and add ground beef. Break it apart with a wooden spoon as it cooks. Once partially browned add diced onion and minced garlic. Continue cooking until beef is completely browned and onions are translucent, about 7 minutes total. Drain excess fat completely to prevent a greasy dip.
- Create The Creamy Base:
- Reduce heat to medium-low and add softened cream cheese to the meat mixture. Stir continuously until cream cheese begins to melt and incorporate. Add sour cream and continue stirring until mixture becomes smooth and creamy with no cream cheese lumps remaining.
- Incorporate Flavors:
- Add drained tomatoes with green chilies, refried beans, chili powder, cumin, salt and pepper to the skillet. Stir thoroughly to combine all ingredients, making sure the spices are evenly distributed. Allow mixture to simmer gently for 2 minutes so flavors can begin to meld.
- Assemble And Bake:
- Transfer the entire mixture to your prepared baking dish, spreading evenly with a spatula. Sprinkle shredded cheddar cheese completely across the top, creating an even layer. Bake uncovered in preheated oven for 20-25 minutes until cheese is completely melted and edges are bubbling slightly.

This dip holds a special place in my heart because it reminds me of growing up in Texas where we took our party food seriously. My grandmother always said a proper dip should be substantial enough to serve as a meal in a pinch, and this recipe certainly meets that standard. The combination of beans and beef creates something that satisfies even the heartiest appetites.
Make Ahead Instructions
This dip performs beautifully as a make-ahead appetizer. Prepare the entire mixture and transfer to your baking dish, but hold off on adding the cheese topping. Cover tightly with plastic wrap and refrigerate for up to 24 hours. When ready to serve, bring to room temperature for 30 minutes, add cheese topping, and bake as directed. The flavors actually develop and improve with time, making this an ideal prep-ahead party solution.
Serving Suggestions
While tortilla chips are the classic pairing, this versatile dip works wonderfully with a variety of dippers. Offer sturdy corn chips, toasted baguette slices, or even fresh vegetables like bell pepper strips and celery for guests watching carbs. For a more substantial presentation, serve small flour tortillas alongside to create instant mini burritos. I often set up a simple "dip bar" with various chips and fresh toppings like diced avocado, lime wedges, and additional green onions.

Ingredient Swaps
This recipe welcomes adaptation based on what you have available. Ground turkey can replace beef for a lighter option. Black beans work beautifully instead of refried beans for those preferring more texture. Pepper jack cheese creates a spicier version than cheddar. Vegetarians can skip the meat entirely and double the beans. For dairy sensitivities, dairy free cream cheese and sour cream alternatives perform surprisingly well, though the texture will be slightly different.
Frequently Asked Questions
- → Can I make this dip ahead of time?
Yes, you can assemble the dip a day in advance. Cover it and refrigerate, then bake it fresh before serving.
- → What chips work best with this dip?
Thick tortilla chips are ideal for scooping the hearty layers without breaking.
- → How can I make this vegetarian?
Replace the ground beef with plant-based meat or additional beans for a vegetarian version.
- → Can I add more spice?
Absolutely! Add diced jalapeños or extra chili powder to increase the heat.
- → How long does the dip stay fresh?
The dip stays fresh for up to 3 days if stored in an airtight container in the refrigerator.