This Hot Cowgirl Dip is creamy, cheesy, and has just the right kick. It’s one of those recipes you can throw together in minutes, but it tastes like something you planned out.
Perfect for game days, parties, or just chilling at home with something good to snack on. It’s warm, melty, and loaded with bold flavors.
Why I Love This Recipe
This recipe showed up at a potluck once and I couldn’t stop eating it. I went home, figured out how to make it, and now it’s on repeat. It’s the mix of creamy, spicy, and smoky that hits every time. Here’s why it rocks:
- Takes 10 minutes to prep
- Crowd favorite every single time
- One bowl, one baking dish, super easy cleanup
- You can adjust the heat to your liking
- Tastes just as good leftover (if you’re lucky to have any!)

What You’ll Need
- 8 oz cream cheese, softened
- 1 cup sour cream
- 2 cups shredded cheddar cheese
- 1/2 cup shredded pepper jack cheese
- 1 cup cooked bacon, crumbled
- 1 (10 oz) can Rotel, drained
- 1/2 cup pickled jalapeños, chopped
- 1 tsp garlic powder
- 1/2 tsp onion powder
- 1/4 tsp smoked paprika
- 1/4 tsp black pepper
- 1/4 tsp salt
- 2 green onions, chopped (for garnish)
- Tortilla chips or baguette slices for serving

Servings and Time
Makes: 8 servings
Prep Time: 10 minutes
Cook Time: 20 minutes
Total Time: 30 minutes
Why This Recipe Works (Quick Science)
The cream cheese and sour cream blend into a smooth base that holds everything together. Melting cheddar gives that gooey pull, while pepper jack adds extra spice. Jalapeños and Rotel bring tang and heat, and the bacon gives it that smoky edge. When baked, the fat from the cheese and bacon bubbles up, browning the top for that crave-worthy crust.
Common Mistakes
- Not softening the cream cheese: It won’t mix well and you’ll get lumps.
- Using too much liquid from the Rotel: Makes it runny. Always drain first.
- Overbaking: If the top gets too brown, the inside might dry out.
- Not tasting before baking: Make sure your spice level is where you want it!
What to Serve With
- Tortilla chips
- Toasted baguette slices
- Celery sticks or cucumber rounds for crunch
- Warm pita wedges
- Nachos as a base
FAQ
Can I make it in a crockpot?
Yes! Mix everything and heat on low for 2–3 hours, stirring occasionally.
Is it spicy?
It has a mild-medium kick. Leave out jalapeños or use less if you want it milder.
Can I make it ahead?
Totally. Prep the mixture, cover, and refrigerate up to 2 days. Bake when ready.
Pro Tips
- Soften your cream cheese in the microwave for 20 seconds if you’re in a hurry.
- Use pre-cooked bacon to save time—just warm it and crumble.
- Use gloves or a fork when handling jalapeños to avoid spicy fingers.
- Drain Rotel well using a mesh strainer or press it gently with a spoon.
- Add green onions last so they stay fresh and bright.
Tools You’ll Need
- Medium mixing bowl
- Rubber spatula
- Whisk
- Baking dish (8×8 or similar)
- Strainer
- Oven mitts
Substitutions and Variations
- Swap cheddar for Monterey Jack or Colby
- Use Greek yogurt instead of sour cream
- Add shredded rotisserie chicken for a protein boost
- Use fresh jalapeños if you like more heat
- Go vegetarian by leaving out the bacon
Make Ahead Tips
- Mix all ingredients and store covered in the fridge for up to 2 days
- Let it sit at room temp for 20 minutes before baking so it heats evenly
- You can even freeze it, then thaw overnight and bake when ready
Step-by-Step Instructions
Step 1: Mix Cream Base
Add 8 oz softened cream cheese and 1 cup sour cream to a mixing bowl. Whisk until smooth.

Step 2: Add Cheese
Add 2 cups shredded cheddar and 1/2 cup shredded pepper jack cheese to the bowl. Mix gently with a spatula.

Step 3: Add Bacon, Rotel & Jalapeños
Add 1 cup crumbled cooked bacon, 1 can (10 oz) drained Rotel, and 1/2 cup chopped pickled jalapeños. Stir well.

Step 4: Season
Add 1 tsp garlic powder, 1/2 tsp onion powder, 1/4 tsp smoked paprika, 1/4 tsp salt, and 1/4 tsp black pepper. Stir until fully combined.

Step 5: Transfer to Dish
Scoop the dip mixture into an 8×8 baking dish and spread it out evenly.

Step 6: Bake
Bake at 375°F (190°C) for 20 minutes, until bubbly and golden brown on top.
Step 7: Garnish & Serve
Top with chopped green onions and serve hot with chips or bread.

Leftovers & Storage
- Store leftovers in an airtight container in the fridge for up to 4 days
- Reheat in the microwave or bake at 350°F until warmed through
- It tastes even better the next day!
Final Thoughts
This Hot Cowgirl Dip is comfort food with a kick. It’s easy to whip up, hard to stop eating, and guaranteed to be the hit of the table. Whether you’re hosting or just craving something bold and cheesy, this dip’s got your back. Give it a try and let me know how yours turns out—I’d love to hear what you think!
