Preheat the oven to 350°.
Spread the softened cream cheese in the bottom of an 8"x8" baking dish, pie plate, or cast iron skillet. Mix the refried beans with the drained tomatoes, taco seasoning, and half the cheese. Spread over the cream cheese. Top with remaining cheese.
Bake for 25 minutes. Serve warm with tortilla chips.
This dip great if you freeze it before baking. Assemble it, cover it with plastic wrap and wrap the entire baking pan in aluminun foil. Freeze until needed. You can thaw overnight or cook from frozen. If you're cooking it straight from the freezer, that's okay, but the cook time will be longer.
Garnish as you like and serve!
