Manda’s Seven Layer Taco Dip is a fun, colorful mix that’s perfect for sharing. It’s got layers of creamy refried beans, zesty salsa, cool guacamole, shredded cheese, chopped lettuce, diced tomatoes, and a sprinkle of olives on top. Each bite brings together a little bit of everything that makes taco night so great, all piled up in one dish.
I love making this dip for get-togethers because it’s always a crowd-pleaser. I usually prepare it ahead of time so the flavors have a chance to blend, and I swear it tastes even better the next day. A quick tip: make sure to drain the beans well and spread them evenly for a perfect base that holds all the toppings nicely without getting soggy.
My favorite way to enjoy this dip is scooping it with crunchy tortilla chips while chatting with friends. It’s casual, simple, and so satisfying. Every time I bring this to a party, it’s one of the first dishes to disappear, and honestly, I don’t blame anyone—it’s hard to stop eating once you start!
Key Ingredients & Substitutions
Refried Beans: These create the hearty base layer. You can use vegetarian or traditional versions. If you can’t find refried beans, mashed black beans make a tasty substitute.
Cream Cheese & Sour Cream: They add creamy texture and tang. For a lighter option, try Greek yogurt instead of sour cream. Just soften the cream cheese well for easy mixing.
Taco Seasoning: This seasoning gives the dip its classic taco flavor. You can use a homemade blend with chili powder, cumin, garlic powder, and paprika if preferred.
Cheddar Cheese: Sharp cheddar brings flavor and melts nicely. You can swap for Monterey Jack or a Mexican cheese blend for variation.
Fresh Veggies (Lettuce, Tomatoes, Jalapeños): These add crunch and freshness. Romaine or iceberg lettuce works best for crispness. Feel free to skip jalapeños if you prefer less heat or use mild green pepper slices.
Black Olives: They add a salty, briny touch. If you’re not a fan, you can omit them or try sliced green olives for a different flavor.
How Do You Build the Layers Without Mixing Them Up?
Layering this dip evenly is key to getting the perfect bite every time. Here’s how to do it simply:
- Start with a smooth base: Spread the refried beans in an even layer using the back of a spoon.
- Use a spatula or spoon: For the creamy layers, gently spread the cream cheese mix without digging into the layer below.
- Keep toppings fresh: Add shredded lettuce and diced tomatoes just before serving to avoid sogginess.
- Chill to set: Refrigerate for at least an hour so the layers hold together and flavors meld beautifully.
Taking your time with each layer keeps the dip neat and helps everyone enjoy a little bit of everything in each scoop!
Equipment You’ll Need
- 9×9 inch glass baking dish – perfect size for layering and easy to serve from.
- Mixing bowl – to blend the cream cheese, sour cream, and taco seasoning smoothly.
- Spoon or spatula – helps you spread each layer evenly without mixing them up.
- Knife and cutting board – for chopping tomatoes, jalapeños, and slicing olives.
Flavor Variations & Add-Ins
- Add cooked taco-seasoned ground beef or shredded chicken for extra protein and heartiness.
- Use pepper jack cheese instead of cheddar for a bit of spicy kick.
- Mix in corn or black beans for added texture and sweetness.
- Swap fresh jalapeños for mild green bell peppers if you prefer less heat.

Manda’s Seven Layer Taco Dip
Ingredients You’ll Need:
Main Ingredients:
- 1 can (16 oz) refried beans
- 1 package (8 oz) cream cheese, softened
- 1 cup sour cream
- 1 packet taco seasoning mix
- 1 cup shredded cheddar cheese
- 1 cup shredded lettuce
- 1 cup diced tomatoes
- 1/2 cup sliced black olives
- 1/4 cup sliced green onions
- 1-2 fresh jalapeño peppers, sliced (optional)
- Tortilla chips, for serving
How Much Time Will You Need?
This recipe takes about 15 minutes to prepare and assembly, plus at least 1 hour chilling time in the refrigerator so the flavors can meld and the dip can set nicely.
Step-by-Step Instructions:
1. Mix the Creamy Layer:
In a medium bowl, combine the softened cream cheese, sour cream, and taco seasoning. Stir or beat until smooth and fully blended.
2. Prepare the Base Layers:
Use a 9×9 inch glass dish. Spread an even layer of refried beans across the bottom. Then spread half of your cream cheese mixture evenly over the beans.
3. Add Second Cream and Bean Layers:
Spread another layer of refried beans on top of the cream cheese, followed by the remaining cream cheese mixture. Make sure each layer is even.
4. Add Toppings:
Sprinkle shredded cheddar cheese evenly over the top. Then add shredded lettuce, diced tomatoes, sliced black olives, green onions, and optional jalapeño slices for a bright and tasty finish.
5. Chill and Serve:
Cover the dish tightly with plastic wrap and refrigerate for at least one hour. Serve chilled with crunchy tortilla chips for dipping and enjoy your colorful, delicious seven layer taco dip!
Can I Make This Dip Ahead of Time?
Yes! Make the dip up to 24 hours in advance and keep it covered in the refrigerator. This helps the flavors meld and makes serving quick and easy.
Can I Substitute Ingredients?
Absolutely! You can use Greek yogurt instead of sour cream for a lighter option, or swap shredded cheddar with Monterey Jack or a Mexican cheese blend. For refried beans, black bean mash works well too.
How Do I Store Leftovers?
Store leftovers in an airtight container or cover the dish tightly with plastic wrap. Keep refrigerated and consume within 3 days for best freshness.
Can I Make It Spicier or Milder?
Yes! Adjust heat by adding more or fewer jalapeño slices, or use mild green peppers if you prefer less spice. You can also add hot sauce to the cream cheese mixture for extra kick.