Combine Cream Cheese and Sour Cream: In a medium-sized mixing bowl, take 1 cup softened cream cheese and 1 cup sour cream. Use a hand mixer or a whisk to blend them together until the mix is smooth and creamy with no lumps. This will be the base layer of your dip!
Spread the Base: Once blended, spread the cream cheese and sour cream mixture evenly in a glass baking dish or serving platter, creating the first layer.
Add Shredded Cheese: Take 1 cup shredded white cheese and layer half of it over the cream cheese mixture. This melty cheese layer adds a rich flavor to the dip.
Incorporate the Black Beans: Evenly distribute 1 can of black beans (drained and rinsed) over the cheese layer, allowing their earthiness to shine through.
Top with Salsa: Pour 1 cup salsa over the black beans, spreading it gently for an even coverage.
Add Diced Tomatoes: Top the salsa layer with 1 cup diced tomatoes, whether fresh or canned, allowing their juices to mingle with the other ingredients.
Finishing Touches: Add the remaining 1 cup of shredded cheese on top. Then sprinkle 1 small finely chopped onion and 1 tbsp taco seasoning over the cheese layer, ensuring an even distribution.
Chill the Dip: Cover the dish with plastic wrap and refrigerate for about 30 minutes. This will help the flavors meld together beautifully.
Serve with Style: Before serving, add 1 cup shredded lettuce on top for a pop of color and crunch, along with freshly chopped cilantro (optional). Serve it chilled with a side of tortilla chips.