The Best Loaded Tower Beef Nachos

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April 24, 2025

These Loaded Beef Nachos are your go-to for game night, casual get-togethers, or whenever you need a crowd-pleaser. Ground beef gets tossed in a homemade taco spice blend, then warmed together with refried beans before piling atop toasted tortilla chips. A double dose of cheddar and Colby Jack melts to gooey perfection, and a shower of pico de gallo, cilantro, and jalapeño brightens every bite. Top with your favorite extras—guac, sour cream, olives—and dig in!

Beef nachos shown on a plate with crunchy chips layered with spiced beef, creamy beans, two cheeses, and fresh pico and jalapeño.

Loaded Tower Beef & Bean Nachos

Crunchy chips layered with spiced beef, creamy beans, two cheeses, and fresh pico and jalapeño.
Servings 6
Prep Time 15 minutes
Cook Time 15 minutes
Total Time 30 minutes

Ingredients
  

For the spice mix:

  • 2 tablespoons chili powder
  • 1 1/2 teaspoons kosher salt
  • 1 teaspoon granulated garlic
  • 1 teaspoon granulated onion
  • 1 teaspoon ground cumin
  • 1/2 teaspoon dried oregano
  • 1/4 teaspoon black pepper
  • Pinch of cayenne pepper

For the nachos:

  • 1 teaspoon vegetable oil
  • 1 pound ground beef
  • 16 ounces refried beans canned or homemade
  • 1/4 cup water
  • 1 large bag of tortilla chips
  • 4 ounces cheddar cheese grated, plus more for topping
  • 4 ounces Colby Jack cheese grated, plus more for topping
  • 1 cup pico de gallo store-bought or homemade, plus more for topping
  • 1/4 cup chopped cilantro
  • 1 jalapeño pickled or fresh, sliced

Instructions
 

  • In a small bowl, whisk together the chili powder, salt, granulated garlic and onion, cumin, oregano, black pepper, and a pinch of cayenne (if you like heat).
  • Heat the oil in a large skillet over medium-high. Add the ground beef, sprinkle in all of the spice mix, and break the meat into small pieces with your spoon. Cook, stirring now and then, until it’s fully browned (about 8 minutes). Drain off any excess fat.
  • Return the drained beef to the pan, stir in the refried beans and ¼ cup water, and warm through until the beans loosen up and everything is hot. Keep this mixture over low heat while you prep the chips.
  • Preheat your oven to 350 °F. Spread the tortilla chips in a single layer on a rimmed baking sheet or oven-safe platter. Slide them into the oven for about 5 minutes, just until you smell their toasty aroma.
  • Pull the chips out and sprinkle half of the cheddar and Colby Jack over them. Let the residual heat soften the cheese for a minute, then spoon the beef-bean mix on top. Layer some more chips on top and again spoon over the beef-bean mix, do this once more. Finish with the remaining cheese and return to the oven for another 5 minutes, until it’s all melted and bubbly.
  • Scatter the pico de gallo, chopped cilantro, and jalapeño slices over the hot nachos. Add any extras you love, guacamole, sour cream, olives, green onions, then serve straight from the pan. Enjoy while they’re warm and cheesy!
Course: Main Course
Cuisine: Mexican
Keyword: cheese, comfort food

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