Crispy tortilla chips cheese

Featured in: Seasonal Cooking Notes

Enjoy a festive snack featuring crispy tortilla chips generously covered with melted cheddar and Monterey Jack cheese. Black beans add hearty texture while sliced jalapeños provide a spicy kick. Cherry tomatoes, diced avocado, red onion, and fresh coriander create bright, fresh layers. Optional ground beef adds a savory depth. Baked until bubbly, this dish pairs beautifully with sour cream and salsa for a bold, satisfying flavor experience perfect for gatherings.

Updated on Tue, 13 Jan 2026 17:38:04 GMT
Golden, bubbly nachos with melted cheese and spicy jalapeños, ready to devour! Save
Golden, bubbly nachos with melted cheese and spicy jalapeños, ready to devour! | tastytislit.com

I was standing in my kitchen on a Friday night, staring at a bag of tortilla chips and wondering what to do with the odds and ends in my fridge. A jar of jalapeños, some leftover black beans, a block of cheddar that needed using. I spread the chips on a baking sheet, scattered everything on top, and slid it into the oven. Ten minutes later, I had nachos that disappeared faster than I could make them.

One summer evening, I made a huge platter for friends who showed up unannounced. We sat on the porch, pulling apart the cheesy layers, and everyone kept reaching for more. Someone joked that nachos should be considered a food group, and honestly, I didnt disagree.

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Ingredients

  • Tortilla chips: Go for sturdy ones that wont turn soggy under the weight of cheese and toppings, I learned that the hard way with flimsy bags.
  • Cheddar cheese: Sharp cheddar melts beautifully and adds a punchy flavor that holds up against the other ingredients.
  • Monterey Jack cheese: This one melts smoother and creamier, balancing out the sharper cheddar for that perfect stretch.
  • Black beans: Rinse them well to get rid of the canned taste, they add heartiness and a subtle earthiness.
  • Jalapeños: Fresh ones have a bright heat that pickled ones cant match, but either works depending on your mood.
  • Cherry tomatoes: Diced small, they burst with sweetness and cut through the richness of the cheese.
  • Red onion: A little sharpness and crunch that wakes up every bite, use it sparingly if youre sensitive to raw onion.
  • Fresh coriander: It brings a fresh, herbal note that ties everything together at the end.
  • Avocado: Creamy and mild, it cools down the heat and adds a luxurious texture.
  • Sour cream: A dollop on top adds tanginess and helps mellow out the spice.
  • Salsa: Whether you like it chunky or smooth, it adds moisture and a bright tomato kick.
  • Ground beef: Brown it with chili powder and cumin for a smoky, savory layer that makes the nachos more filling.

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Instructions

Brown the beef:
If youre adding meat, heat a splash of olive oil in a skillet and crumble in the ground beef with chili powder, cumin, salt, and pepper. Stir it around until its browned and crumbly, the smell alone will make you impatient.
Preheat the oven:
Set it to 200°C so its nice and hot when the nachos go in. This ensures the cheese melts fast and evenly without turning the chips to cardboard.
Layer the chips:
Spread the tortilla chips across a large baking sheet or ovenproof platter in a single layer. Try not to pile them too high or the bottom ones wont get any cheese.
Add beans and cheese:
Scatter the black beans over the chips, then cover everything with both kinds of shredded cheese. If youre using beef, sprinkle it on now too.
Top with jalapeños and onion:
Lay the jalapeño slices and half the chopped red onion over the cheese. Save the rest of the onion for garnish so it stays crisp and bright.
Bake until bubbly:
Slide the tray into the oven and bake for 8 to 10 minutes, watching for the moment the cheese turns golden and starts to bubble at the edges. Pull it out as soon as that happens.
Finish with fresh toppings:
Scatter the cherry tomatoes, avocado, remaining onion, and coriander over the hot nachos. The heat will soften them just enough without cooking them.
Serve immediately:
Set out the sour cream and salsa on the side and let everyone dig in while the cheese is still molten. Nachos wait for no one.
A colorful platter of fully loaded nachos, perfect for your next party or game day snack. Save
A colorful platter of fully loaded nachos, perfect for your next party or game day snack. | tastytislit.com

I remember sitting cross legged on the floor with a plate of nachos balanced on my lap, cheese still stretching between bites. It wasnt fancy, but it felt perfect in that moment, warm and satisfying and exactly what I needed.

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Making It Your Own

You can swap the black beans for pinto or refried beans if thats what you have on hand. Grilled chicken, pulled pork, or chorizo all work brilliantly in place of ground beef. For a vegetarian version, just skip the meat entirely and maybe add some roasted corn or sautéed peppers instead.

Getting the Cheese Right

Shred the cheese yourself instead of buying pre shredded, it melts smoother and doesnt have that coating that keeps it from clumping. A mix of cheddar and Monterey Jack gives you both flavor and melt, but you can use whatever cheese you like as long as it melts well.

Serving and Storing

Nachos are best eaten straight from the oven while the cheese is still gooey and the chips havent had time to soften. If you have leftovers, store the chips and toppings separately and reheat only what youll eat, otherwise theyll turn into a soggy mess.

  • Serve them on a big platter so everyone can reach in and grab their favorite bits.
  • Pair them with a cold beer or a margarita for the full experience.
  • If youre feeding a crowd, make two trays and rotate them through the oven so theres always a fresh batch ready.
Scrumptious nachos, featuring layers of cheese, beans, and fresh toppings, ready to eat now. Save
Scrumptious nachos, featuring layers of cheese, beans, and fresh toppings, ready to eat now. | tastytislit.com

These nachos have saved more impromptu gatherings and lazy weeknights than I can count. Make them once and youll understand why theyre impossible to resist.

Recipe FAQs

How can I make this dish vegetarian?

Simply omit the ground beef and focus on the black beans and cheese for hearty flavor without meat.

What cheeses work best for melting on top?

Cheddar and Monterey Jack melt smoothly, creating a rich, creamy layer that complements the toppings.

Can I adjust the heat level?

Yes, vary the amount of fresh jalapeños or substitute with pickled jalapeños for extra spice.

What is the best way to bake the toppings evenly?

Arrange chips evenly on a baking sheet, add toppings in layers, and bake at 200°C (400°F) for 8-10 minutes until cheese bubbles.

Are there gluten-free options?

Use gluten-free tortilla chips and check all seasoning ingredients to ensure they are gluten-free.

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Crispy tortilla chips cheese

Tortilla chips with melted cheddar, black beans, jalapeños, and fresh vibrant toppings.

Time to Prep
15 minutes
Time to Cook
10 minutes
Complete Time
25 minutes
Created by Oliver Harris


Level Easy

Cuisine Mexican

Makes 4 Portions

Dietary Info Vegetarian-Friendly, Without Gluten

What You'll Need

Base

01 7 oz plain or lightly salted tortilla chips

Cheese

01 7 oz shredded cheddar cheese
02 3.5 oz shredded Monterey Jack cheese

Beans

01 5 oz canned black beans, rinsed and drained

Toppings

01 2 fresh jalapeños, thinly sliced
02 3.5 oz cherry tomatoes, diced
03 1 small red onion, finely chopped
04 2 tablespoons fresh coriander, chopped
05 1 ripe avocado, diced (optional)
06 4 tablespoons sour cream (optional)
07 4 tablespoons salsa (optional)

Optional Meat

01 7 oz ground beef
02 1 teaspoon olive oil
03 1 teaspoon chili powder
04 ½ teaspoon ground cumin
05 Salt and pepper to taste

How To Make

Step 01

Prepare Ground Beef (Optional): Heat olive oil in a skillet over medium heat. Add ground beef, chili powder, cumin, salt, and pepper. Cook, breaking up meat, until browned and cooked through, about 5 to 6 minutes. Remove from heat and set aside.

Step 02

Preheat Oven: Set the oven temperature to 400°F (200°C).

Step 03

Arrange Base Layer: Spread tortilla chips evenly on a large ovenproof platter or baking sheet.

Step 04

Add Beans and Cheese: Distribute black beans evenly over the chips, then sprinkle shredded cheddar and Monterey Jack cheeses on top. Add cooked ground beef if using.

Step 05

Top with Jalapeños and Onions: Scatter sliced jalapeños and half of the chopped red onion over the layered ingredients.

Step 06

Bake: Place the platter in the oven and bake for 8 to 10 minutes until the cheese is fully melted and bubbling.

Step 07

Garnish and Serve: Remove from oven and top with diced cherry tomatoes, remaining red onion, diced avocado if desired, and chopped coriander. Serve immediately with sour cream and salsa on the side.

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Tools Needed

  • Large ovenproof platter or baking sheet
  • Skillet (for cooking ground beef)
  • Cheese grater
  • Knife and chopping board

Allergy Details

Review each item for allergens and consult your healthcare provider when unsure.
  • Contains dairy from cheese and sour cream
  • Contains avocado, which may trigger allergies in some individuals
  • Verify tortilla chips for gluten if gluten sensitivity applies
  • Ground beef may contain traces of soy or wheat depending on processing

Nutrition Info (per serving)

Nutrition info is for reference and shouldn’t replace professional advice.
  • Energy: 480
  • Fats: 27 g
  • Carbohydrates: 40 g
  • Proteins: 20 g

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