Loaded Cheese Nachos with Beans

Featured in: Oven & Stovetop Dishes

These crowd-pleasing nachos feature a base of crispy tortilla chips generously layered with shredded cheddar and Monterey Jack cheeses, black beans, and sliced jalapeños. After baking until the cheese is perfectly melted and bubbly, they're topped with fresh cherry tomatoes, avocado, red onion, and cilantro. Optional seasoned ground beef adds extra protein, while sour cream and salsa on the side complete the experience. Ready in just 25 minutes, these nachos serve four and work beautifully as an appetizer or casual snack.

Updated on Wed, 14 Jan 2026 14:02:00 GMT
Oven-baked nachos loaded with melted cheese, black beans, and spicy jalapeños on crispy tortilla chips. Perfectly golden and bubbling, ready for a festive appetizer spread. Pin This
Oven-baked nachos loaded with melted cheese, black beans, and spicy jalapeños on crispy tortilla chips. Perfectly golden and bubbling, ready for a festive appetizer spread. | petitagdal.com

My roommate in college used to make these every Friday night while we watched movies, and the whole apartment would smell like melted cheese and spices. We'd crowd around the baking sheet, everyone grabbing for the corners with the most cheese. Those nights taught me that great nachos are about layering flavors, not just piling toppings on chips.

Last summer I made a massive tray for my sister's birthday party. Her friends stood around the kitchen island, chips in hand, chatting and grabbing toppings. The platter was empty in ten minutes flat, and someone immediately asked if I could make another batch.

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Ingredients

  • Tortilla chips: Sturdy chips that can hold up under layers of toppings without getting soggy too quickly
  • Cheddar cheese: Provides that sharp, tangy flavor and melts beautifully over everything
  • Monterey Jack cheese: Adds creaminess and helps create that irresistible cheese pull
  • Black beans: Rinse them thoroughly so they don't make the chips underneath mushy
  • Jalapeños: Fresh ones give a bright heat, while pickled ones add acidity
  • Cherry tomatoes: These add moisture without making things soggy like larger tomatoes might
  • Red onion: Finely chopped so you get bursts of sharp flavor in every bite
  • Fresh coriander: Sprinkle this on after baking to keep its bright, herbal flavor intact
  • Avocado: Adds creaminess that balances the spicy and salty elements
  • Sour cream and salsa: Serve these on the side so everyone can add as much or as little as they want
  • Ground beef: Season it well with chili powder and cumin for a savory, protein-packed layer

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Instructions

Season the beef:
Heat olive oil in a skillet over medium heat, then add ground beef, chili powder, cumin, salt, and pepper. Cook for 5-6 minutes, breaking up the meat until it's browned and fragrant.
Heat the oven:
Preheat to 200°C (400°F) so it's ready when you've finished assembling everything.
Build the foundation:
Spread tortilla chips in a single even layer on a large ovenproof platter or baking sheet.
Add the layers:
Scatter black beans over the chips, then sprinkle both cheeses evenly. Add the seasoned beef if you're using it.
Top with heat:
Scatter sliced jalapeños and half the chopped red onion across the cheese layer.
Melt everything together:
Bake for 8-10 minutes until the cheese is fully melted, bubbling, and starting to turn golden brown at the edges.
Freshen it up:
Remove from the oven and immediately top with cherry tomatoes, diced avocado, remaining onion, and fresh coriander.
Serve while hot:
Bring the platter to the table right away with sour cream and salsa on the side for dipping.
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My dad now requests these every time he visits, and we've turned it into a tradition. We stand at the counter assembling our own perfect bites, catching up on life between cheesy, spicy mouthfuls.

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Making Them Your Own

Skip the ground beef for a vegetarian version that's just as satisfying, or swap in grilled chicken strips. Chorizo works beautifully too, adding a smoky, spicy depth that pairs perfectly with melted cheese.

Getting the Texture Right

The key is arranging chips in a single layer so they all get evenly coated with cheese. Crowded chips end up soggy, while lonely chips stay bare and sad.

Serving Suggestions

A cold Mexican lager cuts through the richness perfectly, or go with a classic margarita for a festive feel. These nachos also shine alongside simple guacamole and extra hot sauce.

  • Set up a toppings bar and let guests customize their own sections
  • Keep extra chips handy for scraping up all that delicious cheese from the pan
  • Make individual portions on smaller ovenproof dishes for a fun dinner party approach
A close-up of loaded nachos topped with seasoned ground beef, diced tomatoes, and fresh cilantro. Served on a baking sheet, ideal for sharing at a party. Pin This
A close-up of loaded nachos topped with seasoned ground beef, diced tomatoes, and fresh cilantro. Served on a baking sheet, ideal for sharing at a party. | petitagdal.com

Whether it's movie night, game day, or just a Tuesday, these nachos turn ordinary moments into something worth gathering around.

Frequently Asked Questions

Can I make nachos ahead of time?

Prepare all ingredients in advance, but assemble and bake just before serving. Pre-cut toppings can be stored in the refrigerator for up to 24 hours.

What's the best cheese for nachos?

A combination of cheddar and Monterey Jack provides excellent flavor and melting properties. Mexican cheese blends work well too.

How do I keep nachos from getting soggy?

Avoid watery toppings like salsa when baking. Add fresh toppings after baking and serve immediately while chips remain crisp.

Can I use a microwave instead?

Yes, but the oven yields superior crispy results. Microwave in 30-second intervals, watching closely to prevent overheating.

What can I substitute for jalapeños?

Use milder peppers like poblano strips for less heat, or habaneros for extra spice. Pickled jalapeños also work well.

How do I make vegan nachos?

Use plant-based cheese shreds and skip the meat. Load up with guacamole, salsa, and dairy-free sour cream alternatives.

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Loaded Cheese Nachos with Beans

Crispy chips topped with melted cheese, beans, jalapeños and fresh garnishes

Prep Time
15 min
Time to Cook
10 min
Overall Time
25 min
Recipe by Lauren Silva


Skill Level Easy

Cuisine Mexican

Serves 4 Portions

Diet Info No Gluten

What You Need

Base

01 7 oz tortilla chips, plain or lightly salted

Cheese

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

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 cilantro, chopped
05 1 ripe avocado, diced
06 4 tablespoons sour cream
07 4 tablespoons salsa

Optional Meat

01 7 oz ground beef
02 1 teaspoon olive oil
03 1 teaspoon chili powder
04 1/2 teaspoon ground cumin
05 Salt and freshly ground black pepper to taste

Directions

Step 01

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

Step 02

Preheat Oven: Set oven to 400°F to ensure proper melting temperature for the cheese layer.

Step 03

Arrange Chip Base: Spread tortilla chips in a single even layer across a large ovenproof platter or baking sheet, ensuring consistent coverage for even topping distribution.

Step 04

Layer Beans and Cheese: Distribute black beans evenly over chips. Cover completely with shredded cheddar and Monterey Jack cheeses. Add prepared ground beef if using.

Step 05

Add Spicy Elements: Scatter sliced jalapeños and half the chopped red onion across the cheese layer for balanced heat distribution.

Step 06

Melt and Brown: Bake in preheated oven for 8-10 minutes until cheese is fully melted, bubbly, and beginning to brown at edges.

Step 07

Add Fresh Toppings: Remove from oven. Top immediately with diced cherry tomatoes, avocado, remaining red onion, and chopped cilantro while hot.

Step 08

Serve with Accompaniments: Serve immediately while cheese remains melted. Offer sour cream and salsa on the side for individual customization.

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Tools Needed

  • Large ovenproof platter or baking sheet
  • Skillet for ground beef preparation
  • Box grater for cheese
  • Chef's knife and cutting board

Allergy Notes

Double-check every ingredient for allergies. If unsure, ask a healthcare expert.
  • Contains dairy products including cheddar, Monterey Jack, and sour cream. Avocado may trigger allergic reactions in sensitive individuals. Verify tortilla chips are certified gluten-free if required. Ground beef may contain traces of soy or wheat depending on processing.

Nutrition Info (per portion)

For informational purposes only; not a substitute for advice from your doctor.
  • Calorie Count: 480
  • Fats: 27 g
  • Carbohydrates: 40 g
  • Proteins: 20 g

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