Loaded Cheese Nachos Supreme

Featured in: Seasonal Food Routines

These crowd-pleasing nachos feature crispy tortilla chips layered with shredded cheddar and Monterey Jack, black beans, and spicy jalapeños. The cheese melts into a bubbling, golden blanket while the beans add hearty texture. Fresh cherry tomatoes, red onion, avocado, and coriander provide bright contrast against the rich, savory base. Optional seasoned ground beef brings extra depth and protein. Everything comes together in just 25 minutes, making them ideal for game days, parties, or casual weeknight gatherings. Serve with cool sour cream and zesty salsa for the perfect balance of creamy, tangy, and spicy flavors.

Updated on Fri, 16 Jan 2026 10:33:49 GMT
Golden brown nachos with melted cheddar and Monterey Jack cheese, black beans, and jalapeños, ready for sharing. Pin it
Golden brown nachos with melted cheddar and Monterey Jack cheese, black beans, and jalapeños, ready for sharing. | simpleanzar.com

My roommate in college used to make these epic nacho platters every Friday night while we queued up movies. The way the cheese would bubble up and get those perfect golden brown edges still makes my stomach rumble. I've since learned that the secret isn't just piling everything on at once, it's about building layers so every chip gets its fair share of toppings. Now it's become my go-to for casual get-togethers because nothing brings people together quite like reaching for the same messy plate of food.

Last summer I made these for a backyard movie night and watched my usually skeptical father-in-law go back for thirds. There's something about the contrast of hot melted cheese against cool fresh toppings that just works. My niece now requests them every time she visits, calling them 'the good kind of messy.'

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Ingredients

  • 200 g tortilla chips: Choose sturdy chips that won't wilt under the weight of toppings, lightly salted works best to balance the rich cheese
  • 200 g shredded cheddar cheese: The sharpness cuts through the other rich ingredients and provides that classic nacho flavor everyone expects
  • 100 g Monterey Jack cheese: This melts incredibly smoothly and adds a mild creaminess that balances the cheddar
  • 150 g canned black beans: Rinse them really well to remove the canning liquid, which can make your nachos soggy
  • 2 fresh jalapeños: Slice them thin if you want moderate heat, or leave the seeds in for extra kick
  • 100 g cherry tomatoes: These add a burst of freshness that cuts through the cheese and beans
  • 1 small red onion: The mild sweetness works better than white onion here
  • 2 tablespoons fresh coriander: Don't skip this, the bright herbal flavor is essential for cutting the richness
  • 1 ripe avocado: Adds creaminess and a cooling element against the spicy components
  • 4 tablespoons sour cream: Essential for that cool contrast against the hot cheese
  • 4 tablespoons salsa: Use your favorite salsa or make it fresh if you have time
  • 200 g ground beef: Optional, but browned with spices it adds substantial protein and depth
  • 1 teaspoon chili powder and 1/2 teaspoon cumin: Classic spices that give the beef that authentic taco flavor

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Instructions

Prep the meat if using:
Heat olive oil in a skillet over medium heat, add ground beef, chili powder, cumin, salt and pepper. Cook for 5-6 minutes until browned and fully cooked through.
Get your oven ready:
Preheat to 200°C (400°F) while you arrange your chips on a large ovenproof platter or baking sheet.
Build your layers:
Spread chips evenly, then scatter black beans and both cheeses across them. Add the cooked beef if you're using it.
Add some heat:
Scatter sliced jalapeños and half the red onion over the top before baking.
Melt it all together:
Bake for 8-10 minutes until the cheese is completely melted and starting to bubble in spots.
Finish with freshness:
Top immediately with cherry tomatoes, avocado, remaining onion and coriander while everything's still hot.
Serve it up:
Bring to the table with sour cream and salsa on the side for people to add as they like.
A close-up of loaded nachos topped with seasoned ground beef, fresh tomatoes, and creamy avocado slices. Pin it
A close-up of loaded nachos topped with seasoned ground beef, fresh tomatoes, and creamy avocado slices. | simpleanzar.com

These nachos have become our Super Bowl tradition because they're so easy to customize. Everyone can pile on what they want, and somehow eating with your hands makes the game feel more exciting. I've learned to make a double batch because the first one always disappears before halftime.

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Getting the Perfect Cheese Melt

The key to restaurant style nachos is using freshly grated cheese rather than pre shredded bags. Pre shredded cheese has anti caking agents that prevent it from melting smoothly together. Grate your own cheese blocks and toss the two varieties together before sprinkling, this ensures even distribution and that gorgeous cheese pull in every bite.

Making Them Your Own

I've made these with leftover roasted chicken, grilled shrimp, even crumbled chorizo when I wanted something different. The beans can easily be swapped for pinto beans if you prefer, or omitted entirely for a lighter version. Sometimes I add a layer of refried beans mixed with a little taco seasoning under the chips for extra creaminess.

Serving Suggestions and Timing

Nachos are best served the moment they come out of the oven while the cheese is at its molten best. I like to set up a toppings bar so guests can customize their portion. This also keeps me from running back and forth during the movie or game.

  • Line your baking sheet with parchment paper for easier cleanup
  • Have all your cold toppings prepped before the nachos go into the oven
  • Warm your sour cream slightly so it doesn't cool down the hot cheese too quickly

Appetizer platter of crispy tortilla chips baked with cheese, beans, and spicy jalapeños under a broiler. Pin it
Appetizer platter of crispy tortilla chips baked with cheese, beans, and spicy jalapeños under a broiler. | simpleanzar.com

Gather your friends, pour your favorite drinks, and dig in while everything's hot and messy. These nachos aren't supposed to be perfect, they're supposed to be delicious.

Recipe Q&A

How do I keep my nachos from getting soggy?

Layer ingredients strategically by placing beans and meat directly on chips, then topping with cheese. Add fresh vegetables like tomatoes and avocado after baking, not before. Serve immediately while the cheese is hot and bubbly.

Can I make these vegetarian?

Absolutely. Simply omit the ground beef. The black beans provide plenty of protein and substance. You can also add extra cheese or include grilled vegetables like bell peppers and corn for more variety.

What type of cheese works best?

A combination of cheddar and Monterey Jack creates ideal flavor and melting properties. Cheddar brings sharpness while Monterey Jack adds creaminess. Pre-shredded cheese blends containing both varieties work perfectly.

How can I make them spicier?

Use pickled jalapeños instead of fresh for more heat, or add sliced serrano peppers. Incorporate cayenne pepper into the meat seasoning, or serve with hot salsa on the side. A dash of hot sauce over the finished dish works too.

What should I serve with nachos?

Classic pairings include guacamole, pico de gallo, and various salsas. Cold beverages like Mexican lager, margaritas, or citrusy sodas complement the rich, spicy flavors. A simple side salad can balance the meal.

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Loaded Cheese Nachos Supreme

Golden tortilla chips smothered in melted cheese, black beans, and fresh toppings perfect for gatherings.

Time to Prep
15 mins
Time to Cook
10 mins
Total Duration
25 mins
Created by Phoenix Dalton


Skill Level Easy

Cuisine Mexican

Makes 4 Serves

Diet Details Vegetarian Option, Contains No Gluten

What You Need

Base

01 7 oz tortilla chips (plain or lightly salted)

Cheese

01 7 oz shredded cheddar cheese
02 3.5 oz Monterey Jack cheese, shredded

Beans

01 5 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 cumin
05 Salt and pepper to taste

How to Make It

Step 01

Prepare Seasoned Ground Beef: Heat olive oil in a skillet over medium heat. Add ground beef, chili powder, cumin, salt, and pepper. Cook, breaking up meat, until browned and cooked through, approximately 5-6 minutes. Set aside.

Step 02

Preheat Oven: Preheat the oven to 400°F.

Step 03

Arrange Base Layer: Spread tortilla chips in an even layer on a large ovenproof platter or baking sheet.

Step 04

Add Beans and Cheese: Distribute black beans evenly over the chips, followed by shredded cheddar and Monterey Jack cheeses. Add cooked ground beef if using.

Step 05

Add Heat: Scatter sliced jalapeños and half of the chopped red onion over the top layer.

Step 06

Melt Cheese: Bake for 8-10 minutes until cheese is fully melted and bubbly.

Step 07

Finish with Fresh Toppings: Remove from oven and top with cherry tomatoes, avocado, remaining onion, and chopped coriander.

Step 08

Serve Immediately: Serve nachos right away with sour cream and salsa on the side.

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Equipment You’ll Need

  • Large ovenproof platter or baking sheet
  • Skillet
  • Cheese grater
  • Knife and chopping board

Allergy Info

Be sure to review what’s inside for allergens. If unsure, check with your doctor.
  • Contains dairy (cheese, sour cream). Contains avocado. Verify tortilla chips are gluten-free certified if required. Ground beef may contain traces of soy or wheat (check product labels).

Nutrition Info (per serving)

Nutritional data is for reference only and isn’t a replacement for professional health advice.
  • Calorie Count: 480
  • Fats: 27 g
  • Carbohydrates: 40 g
  • Proteins: 20 g

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