Heat olive oil in a large oven-safe skillet over medium-high heat. Add the onion and cook, stirring often, for 3 to 5 minutes or until softened and translucent. Add the garlic, cumin, chili powder, paprika, and salt. Cook, stirring constantly, for 30 seconds to 1 minute, until fragrant. Add the refried beans and cook for 1 to 2 minutes, stirring often, until warmed through.
Remove the skillet from heat. Stir in the drained green chiles, sour cream, 1/2 cup Pepper Jack cheese, lime juice, and cilantro. Stir until smooth and fully combined, then spread into an even layer. Sprinkle the remaining 3/4 cup cheese evenly over the top. Place the skillet on the center rack and broil for 3 to 5 minutes, watching closely, until the cheese is melted and lightly golden.
Remove from the oven and top with favorites like halved cherry tomatoes, avocado, cilantro, jalapeños, Cotija cheese, or green onions. Serve immediately with tortilla chips.
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Notes
Note 1: Serving ideas: halved cherry tomatoes, extra cilantro, sliced green onions, Cotija cheese, diced avocado or guacamole, sliced jalapeños, and more.Storage: Store leftover bean dip in an airtight container in the fridge for up to 4 days. Reheat in the microwave or warm in a skillet over low heat, stirring often. Add fresh toppings after reheating.