Crispy tortilla chips cheese

Featured in: Oven & Skillet Meals

This dish features crispy tortilla chips generously layered with melted cheddar and Monterey Jack cheeses, complemented by black beans and fresh jalapeño slices. Optional seasoned ground beef adds heartiness, while fresh cherry tomatoes, red onion, avocado, and coriander add brightness and texture. Baked until bubbly and served with sour cream and salsa on the side, it’s a vibrant, shareable snack or appetizer with bold Mexican-inspired flavors.

Updated on Sat, 10 Jan 2026 13:16:00 GMT
Golden, bubbly nachos with melted cheese, black beans, jalapeños, and seasoned ground beef are irresistible. Save
Golden, bubbly nachos with melted cheese, black beans, jalapeños, and seasoned ground beef are irresistible. | ighirbites.com

My first attempt at homemade nachos happened on a lazy Sunday afternoon when I had friends dropping by unexpectedly. I raided the fridge, found some tortilla chips and cheese, and threw everything on a baking sheet without much of a plan. Twenty minutes later, I pulled out this golden, bubbling masterpiece and watched my friends devour it like we'd been planning a feast all week. That moment taught me that some of the best dishes come from happy accidents and a well-stocked kitchen.

I'll never forget making these for a game night when my partner challenged me to beat the "nacho guy" from our friend group. I was nervous about the timing, worried the cheese would burn while the toppings stayed cold. But watching the jalapeños blister slightly at the edges and the cheese become this glossy, almost molten layer—I realized I'd actually nailed it. He admitted mine were better, which might be my proudest cooking moment that year.

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Ingredients

  • Tortilla chips: Use good-quality chips that stay crisp; cheaper ones turn soft too quickly under the cheese.
  • Shredded cheddar and Monterey Jack: This combination gives you color and flavor complexity that a single cheese can't match.
  • Black beans: Rinsing them removes excess salt and starch, so they blend in rather than dominate.
  • Fresh jalapeños: Slice them thin so the heat spreads across the nachos evenly, and leave some seeds for extra kick if you like it hot.
  • Cherry tomatoes: Their sweetness balances the heat and salt beautifully.
  • Red onion: The sharpness cuts through the richness of the cheese and sour cream.
  • Fresh coriander: Don't skip this; it adds brightness that makes the whole dish feel intentional, not just assembled.
  • Avocado: Add it only after baking so it doesn't turn dark or mushy.
  • Ground beef: Season it properly and cook it until the edges crisp slightly for maximum texture and flavor.

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Instructions

Brown the beef (if using):
Heat oil in a skillet and cook the ground beef with chili powder and cumin until it's deeply browned with crispy edges, about 5-6 minutes. This layering of flavors is what separates good nachos from great ones.
Preheat and arrange:
Get your oven to 200°C and spread the chips in an even single layer on your baking sheet. Give them room to breathe so they stay crispy on the bottom.
Build your base:
Scatter beans across the chips, then distribute both cheeses evenly. The beans act like little flavor carriers that soften the heat of the jalapeños.
Add heat and flavor:
Sprinkle the sliced jalapeños and half the onion over the cheese layer. Don't pile them in one spot or some nachos will be scorching while others are mild.
Bake until bubbly:
Slide into the oven for 8-10 minutes, watching for that moment when the cheese looks glossy and starts bubbling at the edges. The second you see that, pull it out.
Finish with fresh toppings:
Once out of the oven, immediately add the tomatoes, avocado, remaining onion, and coriander. The heat from the nachos will warm the fresh ingredients just enough without compromising their texture.
Serve right away:
Nachos are a race against time as they cool, so get them to the table while the cheese is still molten and the chips haven't had a chance to absorb moisture.
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| ighirbites.com

There's something almost meditative about watching everyone at a table stop mid-conversation to grab another nacho, each person building their perfect bite. It's one of those rare dishes that brings people together without requiring you to sit down and serve formally, and somehow that makes it feel more generous than an elaborate plated dessert ever could.

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Making It Your Own

The beauty of nachos is that the base recipe is just a starting point. I've swapped the beef for shredded rotisserie chicken on nights when I wanted something lighter, and the result was just as crowd-pleasing. Chorizo adds a different kind of richness, and if you're feeling adventurous, crumbled queso fresco instead of melted cheese creates an entirely different texture and flavor profile. The key is keeping the proportions balanced—too much protein overwhelms the chips, but too little and it feels like an afterthought.

Timing and Temperature Tricks

I learned the hard way that rushing this dish by cranking the oven to 220°C results in burnt cheese and cold beans in the middle. The magic is in giving the oven time to melt the cheese evenly without turning it from glossy to crusty. If you're prepping nachos for a larger group, assemble them in batches and bake in shifts rather than trying to do it all at once—it's actually faster and gives you better control over the final result.

Pairing and Serving Ideas

Nachos aren't just a snack; they're an experience, especially when paired with the right drinks and atmosphere. A cold Mexican lager cuts through the richness perfectly, and if you're feeling fancy, a classic lime-and-salt margarita elevates the whole affair. I've served these at everything from casual weeknight gatherings to impromptu dinner parties, and they work equally well in both contexts because people instinctively know how to eat them—no explanation or etiquette required.

  • Set out sour cream and salsa on the side so guests can control how much they add.
  • If you're ahead of schedule, assemble everything except the toppings an hour before guests arrive, then bake right before serving.
  • Have extra napkins on hand because these are gloriously messy in the best possible way.
A generous serving of loaded nachos features warm, melted cheese atop crispy tortilla chips ready to eat. Save
A generous serving of loaded nachos features warm, melted cheese atop crispy tortilla chips ready to eat. | ighirbites.com

Nachos remind me that the best dishes don't need to be complicated to be memorable. This one has become my go-to move whenever I want to feed people something warm, shareable, and universally loved without spending hours in the kitchen.

Q&A About the Recipe

Can I make this dish vegetarian?

Yes, simply omit the ground beef to keep it vegetarian while maintaining rich flavor from cheese and beans.

What cheeses are best for melting?

Cheddar and Monterey Jack provide excellent meltability and a balanced creamy taste.

How can I add extra heat?

Incorporate pickled jalapeños or increase fresh jalapeños for a spicier bite.

What’s the best way to serve this dish?

Serve immediately after baking, accompanied by sour cream and salsa to enhance flavor and creaminess.

Can I substitute proteins in this dish?

Yes, grilled chicken or chorizo make great alternatives to ground beef for varied taste and texture.

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Crispy tortilla chips cheese

Crunchy tortilla chips topped with melted cheese, beans, jalapeños, and fresh garnishes for a flavorful snack.

Prep Time
15 min
Cook Time
10 min
Total Time
25 min
Created by Sebastian Cole


Level Easy

Cuisine Type Mexican

Makes 4 Portions

Diet Info Meat-Free, No Gluten

What You Need

Base

01 7 oz plain or lightly salted tortilla chips

Cheese

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

Beans

01 5.3 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 1/2 teaspoon ground cumin
05 Salt and freshly ground black pepper, to taste

Directions

Step 01

Cook 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 fully cooked, about 5 to 6 minutes. Set aside.

Step 02

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

Step 03

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

Step 04

Add Beans and Cheese: Evenly scatter black beans over chips, then sprinkle shredded cheddar and Monterey Jack cheese on top. Add cooked ground beef if using.

Step 05

Add Jalapeños and Onions: Distribute sliced jalapeños and half of the chopped red onion over the assembled toppings.

Step 06

Bake Nachos: Bake in the preheated oven for 8 to 10 minutes, or until the cheese is melted and bubbly.

Step 07

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

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Equipment Needed

  • Large ovenproof platter or baking sheet
  • Skillet
  • Cheese grater
  • Knife and chopping board

Allergy Warnings

Carefully review every ingredient to spot any allergens. If unsure, check with a healthcare worker.
  • Contains dairy from cheese and sour cream
  • Contains avocado, a potential allergen for some
  • Check tortilla chips for gluten presence if needed
  • Ground beef may contain traces of soy or wheat depending on source

Nutrition (per portion)

Nutritional info for reference—don’t use as medical advice.
  • Calories: 480
  • Fat content: 27 g
  • Carbohydrates: 40 g
  • Protein: 20 g

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