Crispy tortilla chips cheese

Featured in: Stovetop & Oven Cooking

This flavorful dish features crispy tortilla chips covered in melted cheddar and Monterey Jack cheeses. Black beans and sliced jalapeños add a smoky and spicy touch, while fresh cherry tomatoes, onion, coriander, and creamy avocado provide brightness and texture. Optional seasoned ground beef enhances richness. Simply bake until the cheeses bubble and serve with tangy salsa and sour cream for a festive snack or appetizer. Ready in under 30 minutes, it’s perfect for sharing and suits vegetarian or gluten-free diets.

Updated on Fri, 09 Jan 2026 09:24:00 GMT
Golden, gooey cheese melty and bubbly on loaded, freshly baked nachos, perfect for game night eats. Save
Golden, gooey cheese melty and bubbly on loaded, freshly baked nachos, perfect for game night eats. | lentocook.com

My roommate threw a last-minute game day gathering, and I had maybe twenty minutes to pull together something everyone would actually eat. I raided the pantry, found a bag of tortilla chips, and started layering whatever cheese I could find with some black beans from the back of the fridge. When people actually fought over the last handful of nachos, I realized I'd accidentally created something magical. Now it's my go-to move whenever I need to impress without the stress.

I'll never forget bringing nachos to my partner's family dinner where I was desperately trying to make a good impression. Their grandmother tasted them, nodded silently for what felt like forever, then asked for seconds. That moment taught me that sometimes the simplest food, made with intention, says more than anything fancy ever could.

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Ingredients

  • Tortilla chips (200 g): This is your foundation, so grab ones that are sturdy enough to hold toppings without shattering. I learned the hard way that ultra-thin chips become sad mush under all that melted cheese.
  • Shredded cheddar cheese (200 g): The workhorse cheese that melts beautifully and tastes like comfort. Monterey Jack (100 g) adds a subtle creaminess that takes it up a notch without overpowering.
  • Black beans (150 g, canned, rinsed): Rinsing them removes that metallic canned taste and actually makes a difference in the final flavor.
  • Fresh jalapeños (2, thinly sliced): The fresh ones give you a crisp heat; if you want it milder, scoop out the seeds where most of the spice lives.
  • Cherry tomatoes (100 g, diced): They add brightness and stay intact better than regular tomato chunks, which can get watery.
  • Red onion (1 small, finely chopped): Split your chopped onion—some goes under the cheese to soften slightly, and some goes on top raw for that sharp bite.
  • Fresh coriander (2 tablespoons, chopped): This is what makes everything taste intentional instead of just thrown together; don't skip it.
  • Avocado (1 ripe, optional): Add it only after the nachos come out of the oven so it stays creamy instead of getting warm and mushy.
  • Sour cream and salsa (4 tablespoons each, optional): These are your safety nets if things feel too heavy, and they're worth having on the side.
  • Ground beef (200 g, optional): Brown it with olive oil (1 teaspoon), chili powder (1 teaspoon), cumin (1/2 teaspoon), salt, and pepper for a version that feels more like a meal than a snack.

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Instructions

Brown the beef (if using):
Heat oil in a skillet over medium heat, then add your ground beef with the spices. Break it up as it cooks until it's golden and cooked through, about 5-6 minutes. This step happens first because you want it ready to layer while everything else comes together.
Preheat and arrange:
Get your oven to 200°C (400°F) and spread tortilla chips in a single, even layer on your baking sheet. Don't pile them up—they need breathing room so each chip gets crispy and the cheese hits every corner.
Layer strategically:
Sprinkle black beans over the chips, then add both cheeses in a generous layer. Add your cooked beef if you're using it, then scatter the sliced jalapeños and half the raw onion on top. This order matters because you want the beans and meat nestled in, while the cheese can work its magic.
Bake until bubbly:
Pop it in the oven for 8-10 minutes until the cheese is fully melted and starting to bubble at the edges. You'll know it's done when you see those golden brown spots on the cheese and smell that irresistible toasted aroma.
Fresh toppings finishes:
Pull it out, let it cool for about 30 seconds so you don't burn your mouth, then immediately top with cherry tomatoes, avocado, the rest of the raw onion, and fresh coriander. The warm cheese will soften everything just slightly while keeping it fresh.
Serve right now:
Get this to the table or your lap immediately while it's still warm and the cheese is still pulling when you grab a chip. Have sour cream and salsa ready on the side for dipping and customizing.
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| lentocook.com

There was this moment at a barbecue when someone's kid, who normally only eats plain things, went back for thirds of my nachos. Their parent looked shocked, and I felt like I'd unlocked some secret code of cooking. It reminded me that sometimes the best meals are the ones that bring people together without any pretense.

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Cheese Matters More Than You Think

I used to think any melted cheese was fine, but the combination of cheddar and Monterey Jack actually creates something special. The cheddar has that sharp, bold flavor while the Monterey Jack adds a subtle creaminess that prevents the whole thing from tasting one-note. If you can't find Monterey Jack, extra sharp cheddar works fine, but the blend is genuinely worth seeking out if you want nachos that taste like they came from somewhere with a real kitchen philosophy.

Temperature and Timing Are Everything

I've made the mistake of cooking nachos too long, watching the chips turn into cardboard while the cheese separates into greasy pools. The sweet spot is that moment when the cheese is bubbling but everything still has integrity—usually around 8-10 minutes at 200°C. If your oven runs hot or cold, start checking around the 7-minute mark; nobody's oven is exactly the same, and burnt nachos are a tragedy I wouldn't wish on anyone.

Make It Your Own

The beauty of nachos is that they're genuinely flexible without losing their identity. I've added crispy bacon, grilled chicken, chorizo, pickled onions, and cilantro lime crema, and every version feels like its own thing while still being recognizably nachos. The base of chips, cheese, and beans is sacred, but everything else is your playground.

  • For heat lovers, use pickled jalapeños instead of fresh, or add a drizzle of hot sauce after baking.
  • If you're meal-prepping, you can have everything prepped and ready to go into the oven in under 5 minutes when people arrive.
  • These work just as well as a casual dinner for one as they do for feeding a crowd—just adjust quantities and don't judge yourself for eating them alone.
Savory nachos piled high with seasoned beef, black beans, and jalapeños, ready for your hungry crowd to enjoy. Save
Savory nachos piled high with seasoned beef, black beans, and jalapeños, ready for your hungry crowd to enjoy. | lentocook.com

Nachos are proof that you don't need complicated techniques or exotic ingredients to create something people genuinely want to eat. They're honest food that makes people happy, and honestly, that's enough.

Recipe FAQs

Can I make this dish vegetarian?

Yes, simply omit the ground beef and enjoy the dish with beans and cheese for a vegetarian-friendly option.

How can I add more heat to this dish?

Include pickled jalapeños or increase the amount of fresh jalapeño slices to boost the spiciness.

What cheese types work best for melting?

Cheddar and Monterey Jack cheeses melt smoothly and provide rich flavor, perfect for this dish.

Is this dish suitable for gluten-free diets?

Yes, if tortilla chips are confirmed gluten-free and cross-contamination is avoided.

Can I prepare the toppings in advance?

Yes, slicing jalapeños, chopping onions, and dicing tomatoes beforehand can save time during assembly.

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Crispy tortilla chips cheese

Tortilla chips topped with melted cheese, black beans, jalapeños, and fresh savory additions.

Prep Duration
15 mins
Cook Duration
10 mins
Total Duration
25 mins
Created by Gabriel Summers


Skill Level Easy

Cuisine Mexican

Portions 4 Serves

Diet Details Meat-Free

What You Need

Base

01 7 oz tortilla chips (plain or lightly salted)

Cheese

01 7 oz shredded 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 pepper to taste

Directions

Direction 01

Cook seasoned ground beef: If using ground beef, heat olive oil in a skillet over medium heat. Add ground beef, chili powder, cumin, salt, and pepper. Cook, stirring and breaking up meat, until browned and cooked through, about 5 to 6 minutes. Remove from heat and set aside.

Direction 02

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

Direction 03

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

Direction 04

Add beans, cheese, and meat: Distribute black beans evenly over the chips, then sprinkle with shredded cheddar and Monterey Jack cheeses. Add cooked ground beef if using.

Direction 05

Top with jalapeños and onions: Scatter sliced jalapeños and half of the chopped red onion over the assembled layers.

Direction 06

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

Direction 07

Add fresh toppings 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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Equipment Needed

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

Allergen Details

Always review each component for allergens, and speak to your healthcare provider with concerns.
  • Contains dairy from cheese and sour cream
  • Avocado may cause allergic reactions in sensitive individuals
  • Check tortilla chips for gluten content if necessary
  • Beef may contain traces of soy or wheat depending on sources

Nutrition Details (per portion)

Nutrition info is for general guidance only and isn’t meant as medical advice.
  • Calorie Count: 480
  • Fats: 27 g
  • Carbohydrates: 40 g
  • Proteins: 20 g

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