Beef Bean Chili Cheddar

Steaming bowl of beef and bean chili, rich and savory, golden cheddar melting on top. Save
Steaming bowl of beef and bean chili, rich and savory, golden cheddar melting on top. | recipesbyleanne.com

This classic chili blends tender ground beef with kidney and black beans simmered in a rich tomato and beef broth base. Aromatic spices like chili powder, cumin, smoked paprika, and oregano create a deep, bold flavor. Fresh vegetables including onions, garlic, and bell pepper add layers of taste and texture. A final touch of melted sharp cheddar cheese adds creaminess and sharpness, making it ideal for cozy dinners or game day gatherings. Optional heat comes from jalapeño and cayenne pepper, perfect for customization.

I threw this together on a Sunday afternoon when the weather turned cold without warning. The smell of cumin and paprika hitting hot beef filled the whole apartment, and my neighbor knocked to ask what I was making. By the time it simmered down, I had enough to share with three people who weren't even invited.

I made this for a small gathering once and forgot to warn anyone about the jalapeño. One friend went back for seconds anyway, eyes watering, saying it was worth it. Now I keep the heat optional and let people choose their own adventure.

Ingredients

  • Ground beef: Browning it until deeply caramelized adds a richness you can't get from pale, undercooked meat.
  • Onion: Diced small so it melts into the background and sweetens everything without taking over.
  • Garlic: Minced fresh makes a difference, jarred garlic turns bitter when it simmers this long.
  • Bell pepper: Red gives a subtle sweetness, green adds a sharper vegetal note, both work beautifully.
  • Jalapeño: Seeding it keeps the flavor without the fire, leave the seeds if you want real heat.
  • Kidney beans: They hold their shape through long cooking and soak up all the spice.
  • Black beans: Creamier than kidney beans, they thicken the chili naturally as they break down.
  • Crushed tomatoes: The backbone of the sauce, choose good quality canned tomatoes and you're halfway there.
  • Beef broth: Adds depth that water can't match, low sodium gives you control over the salt.
  • Tomato paste: Concentrated sweetness and umami, it darkens the color and deepens the flavor.
  • Chili powder: The soul of the dish, use a fresh jar if yours has been sitting for years.
  • Cumin: Earthy and warm, it makes the whole pot smell like a memory.
  • Smoked paprika: A little goes a long way, it adds a campfire quality without any actual smoke.
  • Oregano: Dried works better here than fresh, it stands up to the long simmer.
  • Sharp cheddar cheese: It melts into creamy pools and cuts through the richness with a tangy edge.

Instructions

Brown the beef:
Cook it over medium high heat, breaking it into small crumbles with a wooden spoon. Let it sizzle and brown deeply before draining the fat.
Soften the vegetables:
Add onion, garlic, bell pepper, and jalapeño to the pot and let them cook until the onion turns translucent and the kitchen smells sweet. This takes about five minutes.
Bloom the spices:
Stir in chili powder, cumin, paprika, oregano, salt, pepper, and cayenne. Let them cook for a full minute, stirring constantly so nothing burns.
Add tomato paste:
Mix it in thoroughly, it will coat everything in a dark red glaze.
Pour in tomatoes and broth:
Stir well, scraping up any browned bits from the bottom of the pot.
Add the beans:
Tip in both cans and stir gently so they don't break apart too much.
Simmer:
Bring everything to a low bubble, then reduce the heat, cover, and let it cook for thirty minutes. Stir every ten minutes to keep it from sticking.
Adjust seasoning:
Taste and add more salt, pepper, or chili powder if it needs it.
Serve:
Ladle into bowls and pile on shredded cheddar, cilantro, green onions, or sour cream.
Close-up of a comforting bowl of beef and bean chili, perfect for a chilly evening with friends. Save
Close-up of a comforting bowl of beef and bean chili, perfect for a chilly evening with friends. | recipesbyleanne.com

The first time I brought this to a potluck, someone asked for the recipe and I realized I'd been making it by feel for so long I had to write it down from memory. Now it's the one dish people expect me to bring when the temperature drops.

How to Make It Thicker

If your chili looks more like soup, take the lid off for the last ten minutes and let it reduce. You can also mash some of the beans against the side of the pot with a spoon, they'll thicken the liquid without changing the flavor. I've done this every time I got distracted and added too much broth.

Swapping the Protein

Ground turkey or chicken work just as well if you want something lighter. They don't brown the same way beef does, so add a tablespoon of oil to the pot first and let them cook a little longer to develop color. The flavor won't be as rich, but the spices carry it through.

What to Serve It With

Cornbread is the classic pairing, but I've also eaten this over rice, with tortilla chips, and once over a baked potato. It's flexible enough to match whatever you have on hand.

  • Crusty bread for dipping works better than soft sandwich bread.
  • A simple green salad with lime dressing cuts through the richness.
  • Leftover chili makes an excellent filling for burritos or nachos the next day.
A generous serving of hearty beef and bean chili, beautifully garnished, ready to enjoy at dinner. Save
A generous serving of hearty beef and bean chili, beautifully garnished, ready to enjoy at dinner. | recipesbyleanne.com

This is the kind of recipe that gets better the more you make it, because you'll learn exactly how you like it. Start here, then make it yours.

Recipe FAQ

Yes, ground turkey or chicken can be used for a lighter variation without compromising the dish's texture and flavor.

Increase or omit jalapeño and cayenne pepper to control the heat level according to your preference.

Kidney and black beans complement the flavors well, providing texture and heartiness.

Simmer uncovered for the last 10 minutes to reduce liquid and thicken the chili naturally.

Sharp cheddar cheese, fresh cilantro or green onions, and sour cream enhance both flavor and presentation.

Beef Bean Chili Cheddar

Hearty chili featuring ground beef, beans, and sharp cheddar for a warm, satisfying dish.

Prep 15m
Cook 45m
Total 60m
Servings 6
Difficulty Easy

Ingredients

Meats

  • 1 lb ground beef

Vegetables

  • 1 medium onion, diced
  • 2 cloves garlic, minced
  • 1 bell pepper (red or green), diced
  • 1 jalapeño, seeded and finely chopped (optional)

Beans

  • 1 can (15 oz) kidney beans, drained and rinsed
  • 1 can (15 oz) black beans, drained and rinsed

Tomatoes & Liquids

  • 1 can (28 oz) crushed tomatoes
  • 1 cup beef broth
  • 2 tbsp tomato paste

Spices

  • 2 tbsp chili powder
  • 1 tsp ground cumin
  • 1 tsp smoked paprika
  • ½ tsp dried oregano
  • ½ tsp salt (or to taste)
  • ¼ tsp black pepper
  • ¼ tsp cayenne pepper (optional)

Toppings

  • 1 cup shredded sharp cheddar cheese
  • ¼ cup chopped fresh cilantro or green onions (optional)
  • Sour cream (optional)

Instructions

1
Brown the beef: In a large pot or Dutch oven, cook the ground beef over medium-high heat, breaking it apart, until browned and fully cooked. Drain excess fat if needed.
2
Sauté vegetables: Add diced onion, garlic, bell pepper, and jalapeño to the pot. Sauté for 4 to 5 minutes until the vegetables soften.
3
Incorporate spices: Stir in chili powder, cumin, smoked paprika, dried oregano, salt, black pepper, and cayenne pepper. Cook, stirring, for 1 minute until fragrant.
4
Add tomato paste: Mix tomato paste into the pot until evenly distributed.
5
Add liquids: Pour in crushed tomatoes and beef broth, stirring to combine.
6
Combine beans: Add drained kidney and black beans, then bring the mixture to a simmer.
7
Simmer chili: Reduce heat to low, cover, and let simmer for 30 minutes, stirring occasionally.
8
Adjust seasoning: Taste and modify seasoning as necessary before serving.
9
Serve with toppings: Ladle chili into bowls and garnish each portion with shredded cheddar cheese and optional cilantro, green onions, or sour cream.
Additional Information

Equipment Needed

  • Large pot or Dutch oven
  • Cutting board
  • Chef's knife
  • Wooden spoon or spatula
  • Ladle

Nutrition (Per Serving)

Calories 420
Protein 32g
Carbs 34g
Fat 18g

Allergy Information

  • Contains dairy (cheddar cheese, optional sour cream). Check all ingredients for gluten-free certification.
Leanne Porter

Home cook sharing easy, wholesome recipes and real kitchen wisdom for fellow food lovers.