
With all your favorite taco night toppings stacked together, this layered dip is always the crowd-pleaser everyone gathers around. I learned how to make it from my mom years ago, and now my friends always ask for it any time there's a get-together or sports day.
This is actually the very first appetizer I prepped for my own friends at a hangout. Watching them all gather around the dish, just like my family would, made me feel a little nostalgic and a lot proud.
Irresistible Ingredients
- Sour cream: Pick a thick, creamy sour cream for that ultra-smooth top layer
- Salsa: Go for chunky salsa so the dip doesn't get watery—bonus points if you can taste fresh tomatoes
- Taco seasoning: Spice levels are up to you—choose your favorite blend to jazz up the beans
- Tortilla chips: Grab the sturdy kind so you can load up each chip without breaking one
- Refried beans: Go for smooth refried beans—they’re the savory base that holds all the layers
- Diced tomatoes: Snag some firm and juicy tomatoes, they'll add a refreshing bite
- Shredded cheddar cheese: Mild or sharp cheddar’s great—freshly shredded if possible for more meltiness
- Chopped green onions: Choose tender, bright green ones for that pop of color and mild onion kick
- Sliced black olives: Find plump, tender olives—they bring a salty punch and nice texture
- Shredded lettuce: Romaine or iceberg work for that super-crisp, refreshing layer
Simple Instructions
- Chill and Dig In:
- Pop the assembled dip into the fridge for at least an hour. This gives it time for the flavors to mingle and makes it easier to scoop. Serve nice and cold with tough tortilla chips.
- Last Touches:
- Once everything else is on, sprinkle on shredded lettuce. Scatter over olives and green onions for the finishing touch—this brightens up the top.
- Fresh Tomatoes Time:
- Drop on the tomatoes, making sure they’re well drained. This adds a juicy snap to every scoop.
- Say Cheese:
- Toss cheese all over the salsa. This helps everything stick together and gives those classic taco vibes.
- Add Salsa Layer:
- Spoon salsa gently on top of the sour cream. If the salsa’s watery, let the extra juice drip off first to keep things from getting soggy.
- Creamy Goodness:
- Spread thick sour cream smoothly all over the beans, covering the whole surface. This shields the beans from getting too moist.
- Make the Base:
- Mix taco seasoning and refried beans until the flavor is right through. Spoon this into your serving dish and level it with a spatula.

The cheddar cheese layer is absolutely my go-to. There’s just something about that salty hit. I always laugh remembering my brother sneaking more cheese when we were building it together. This dip was a staple at every family party and was always the first thing everyone went for.
Storage Tips to Keep it Fresh
Cover the dip up tight with plastic wrap or a snap-on lid, then stick it in the fridge. You’ll get up to three days out of it, though the lettuce stays crunchiest if you eat it on the first day. I like to put a bit aside early so I’m guaranteed a tasty lunch later!
Ingredient Substitutions to Mix It Up
Switch in Greek yogurt instead of sour cream if you want something a bit lighter. For a dairy-free option, snag vegan cheese and plant-based sour cream. Swap in Monterey Jack or pepper jack if you want a little more heat. Homemade pico de gallo can also replace the pre-made salsa for extra zing.
Fun Serving Suggestions
Set this out with pita chips, tortilla chips, or colorful veggie sticks like sliced red peppers. It’s perfect right on the snack table, or scoop it into taco shells for a heartier snack. I sometimes hand out small bowls so everyone can pile up their layers their own way.
Fun Cultural and Historical Background
This seven-layer classic showed up at American parties and potlucks everywhere in the 80s, blending Tex-Mex favorites into one fun, layered dip. Each topping mixes flavor and crunch, bringing the best taco tastes—just cold and made for scooping! It’s the sort of dish every family tweaks and hands down.

This stacked dip is always such a hit, no matter where you bring it. It’s festive, super tasty, and totally fun. Don’t be surprised if everyone asks you for the how-to—maybe just make two!
Frequently Asked Questions
- → What are the essential layers in this dip?
You'll find layers of fresh lettuce, cheddar cheese, tangy salsa, creamy sour cream, tasty refried beans, juicy tomatoes, and toppings like green onions and black olives in each scoop.
- → Can I make this dip ahead of time?
Sure thing! You can fix this in advance and stick it in the fridge for 24 hours. Wait to scatter lettuce and other toppings until just before serving so everything stays fresh and crisp.
- → What type of cheese works best?
Cheddar is always a hit, but you can use any shredded Mexican mix for more flavor and color if you'd like.
- → How should I serve this layered dip?
Chill it, grab some tortilla chips, and dig in. It's awesome with veggie sticks or as part of a snack spread.
- → Can this dip be customized?
Totally! Go wild with swaps—try guac, jalapeños, extra beans, or toss in what you love most.