Preheat the Oven. Start by preheating your oven to 350°F. Grease a baking dish with non-stick cooking spray.
Prepare the Dip. In a mixing bowl, combine the refried beans, softened cream cheese, sour cream, shredded cheese, and taco seasoning. Stir until well combined and smooth.
Transfer to Baking Dish. Spread the bean mixture evenly into the prepared baking dish, smoothing the top with a spatula.
Bake. Place the baking dish in the preheated oven and bake for 20-25 minutes, or until the dip is heated through and bubbly around the edges.
Garnish and Serve. Remove the dip from the oven and garnish with things such as sliced jalapeños, chopped fresh cilantro, and diced tomatoes. Serve hot with tortilla chips or your favorite dipping accompaniments.