Spicy Beef Chili Cheddar

A steaming bowl of Spicy Beef Chili topped with melty cheddar cheese and fresh cilantro. Pin it
A steaming bowl of Spicy Beef Chili topped with melty cheddar cheese and fresh cilantro. | tastypinboards.com

This dish features ground beef browned and combined with sautéed onion, bell pepper, jalapeño, and garlic. A blend of chili powder, cumin, smoked paprika, cayenne, oregano, salt, and black pepper builds a robust spice base. Crushed and diced tomatoes, beef broth, kidney and black beans are simmered until thick and flavorful. Finished with shredded sharp cheddar cheese, cilantro, and green onions for a rich, satisfying meal perfect for cooler days.

The first snowfall of last November had me craving something that would warm us from the inside out. My roommate walked in with red cheeks and said the wind had cut right through her coat. That pot of chili bubbled away on the stove for two hours while we sat at the kitchen table, watching frost creep across the windows.

My dad used to make chili on Sundays during football season, and the whole house would smell like cumin and simmering tomatoes by noon. I called him halfway through making this batch because something felt off. He told me I was overthinking it and that chili should be simple and forgiving.

Ingredients

  • Ground beef: The 80/20 blend gives you those little pockets of fat that carry so much flavor
  • Onion and red bell pepper: These sweet vegetables balance the heat and add depth to every bite
  • Garlic and jalapeño: Fresh aromatics make all the difference compared to garlic powder
  • Kidney and black beans: Using both varieties gives you nice textural contrast and visual appeal
  • Crushed and diced tomatoes: The crushed tomatoes create body while diced ones provide satisfying chunks
  • Beef broth: Homemade stock adds incredible depth but store bought works perfectly fine
  • Chili powder and cumin: This classic spice combo forms the backbone of the flavor profile
  • Smoked paprika: My secret ingredient for adding subtle smokiness without overpowering
  • Cayenne pepper: Start with half teaspoon and taste before adding more
  • Sharp cheddar cheese: The sharpness cuts through the richness and creates that perfect melty finish

Instructions

Brown the beef:
Heat oil in your Dutch oven over medium high heat and cook the ground beef until nicely browned, breaking it up with your spoon as it cooks. Drain some fat if there is an excessive amount but leave a bit for flavor.
Soften the vegetables:
Add the onion, red pepper, jalapeño and garlic to the pot. Cook for about 7 minutes until everything is fragrant and the onions are translucent.
Wake up the spices:
Stir in all the spices and let them cook for just 1 minute. You will smell them become more aromatic which means they are ready.
Add everything else:
Pour in both cans of tomatoes, the beef broth and both kinds of beans. Give it a good stir to make sure nothing is stuck to the bottom.
Let it simmer:
Bring to a boil then drop the heat to low. Let it simmer uncovered for 45 minutes, stirring every so often to prevent sticking.
Finish with cheese:
Ladle into bowls and pile on the shredded cheddar while it is piping hot. The residual heat will melt it into those gorgeous cheesy ribbons.
Spicy Beef Chili simmering in a Dutch oven with ground beef, beans, and aromatic spices. Pin it
Spicy Beef Chili simmering in a Dutch oven with ground beef, beans, and aromatic spices. | tastypinboards.com

Last winter my neighbor texted at midnight asking what I was cooking because the smell had drifted through the building vents. I sent her over a bowl and we ended up sitting on her living room floor eating chili and talking until 3am.

Make It Your Own

Sometimes I throw in a cinnamon stick or a square of dark chocolate if I want that Cincinnati style depth. Other times I add a can of pumpkin purée which sounds weird but adds incredible body and subtle sweetness.

Serving Ideas Beyond The Bowl

My grandmother used to spoon leftover chili over baked potatoes topped with sour cream. Frito pie is another classic where you crush chips into the bottom of a bag and pile the chili right on top.

Freezer Tips

Chili freezes beautifully and actually develops deeper flavor after being frozen and reheated. I always portion it into quart sized bags and lay them flat to save freezer space.

  • Label everything with the date because frozen chili all looks the same
  • Thaw overnight in the refrigerator for best texture
  • Add a splash of broth when reheating to bring it back to life
Ladle of Spicy Beef Chili with shredded cheddar and green onions, served with tortilla chips. Pin it
Ladle of Spicy Beef Chili with shredded cheddar and green onions, served with tortilla chips. | tastypinboards.com

There is something deeply satisfying about a recipe that asks for almost no active effort but rewards you with something so nourishing and complete.

Recipe FAQs

Increase cayenne pepper or add extra jalapeño slices to intensify the spicy kick.

Yes, ground turkey or plant-based alternatives can be used for a lighter or vegetarian-friendly option.

Brown ground beef over medium-high heat until fully cooked and drain excess fat before adding vegetables.

Cornbread, tortilla chips, or baked potatoes complement the spicy, hearty flavors nicely.

Store refrigerated for up to 4 days or freeze for longer preservation without losing flavor.

Spicy Beef Chili Cheddar

Hearty blend of beef, beans, and spices topped with melted cheddar cheese for bold flavor.

Prep 20m
Cook 60m
Total 80m
Servings 6
Difficulty Medium

Ingredients

Meats

  • 1.5 lbs ground beef (80/20 or lean)

Vegetables

  • 1 large onion, diced
  • 1 red bell pepper, diced
  • 3 cloves garlic, minced
  • 1 jalapeño pepper, seeded and finely chopped

Beans

  • 1 can (15 oz) kidney beans, drained and rinsed
  • 1 can (15 oz) black beans, drained and rinsed

Tomatoes & Liquids

  • 1 can (28 oz) crushed tomatoes
  • 1 can (14 oz) diced tomatoes
  • 1 cup beef broth or stock

Spices & Seasonings

  • 2 tbsp chili powder
  • 2 tsp ground cumin
  • 1 tsp smoked paprika
  • 1/2 tsp cayenne pepper
  • 1 tsp dried oregano
  • 1 tsp salt
  • 1/2 tsp black pepper

Toppings

  • 1.5 cups shredded sharp cheddar cheese
  • Chopped fresh cilantro
  • Sliced green onions

Instructions

1
Brown the Beef: Heat a drizzle of oil in a large Dutch oven or heavy-bottomed pot over medium-high heat. Add ground beef and cook, breaking it up with a spoon, until browned. Drain excess fat if necessary.
2
Sauté Vegetables: Add diced onion, red bell pepper, jalapeño, and garlic to the pot. Sauté for 5–7 minutes until vegetables are softened.
3
Toast Spices: Stir in chili powder, cumin, smoked paprika, cayenne, oregano, salt, and black pepper. Cook for 1 minute until fragrant.
4
Add Tomatoes and Beans: Add crushed tomatoes, diced tomatoes, beef broth, kidney beans, and black beans. Stir well to combine all ingredients.
5
Simmer the Chili: Bring the mixture to a boil, then reduce heat to low. Simmer uncovered for 45 minutes, stirring occasionally, until thickened and flavors meld together.
6
Season and Serve: Taste and adjust seasoning as needed. Ladle chili into bowls and top each serving with shredded cheddar cheese, cilantro, and green onions. Serve hot.
Additional Information

Equipment Needed

  • Large Dutch oven or heavy-bottomed pot
  • Wooden spoon or spatula
  • Chef's knife
  • Cutting board
  • Cheese grater

Nutrition (Per Serving)

Calories 470
Protein 36g
Carbs 32g
Fat 22g

Allergy Information

  • Contains dairy (cheddar cheese)
  • May contain gluten if non-gluten-free stock or spices are used
  • Contains legumes (beans)
Nicole Stanton

Sharing simple, flavorful recipes and kitchen tips for busy home cooks and food lovers.