In a mixing bowl, combine black beans, pinto beans, cream cheese, cheddar cheese, sour cream, salsa, green onions, garlic, chili powder, cumin, salt, and cayenne pepper (if using).
Mix well until evenly combined.
Transfer the mixture to a slow cooker.
Cook on low for 3-4 hours, stirring occasionally, until hot and creamy.
Mash the beans with a potato masher or fork for a smoother consistency.
Serve warm.
Notes / Tips / Wine Advice:
Serving Tip:
Serve warm with tortilla chips, vegetables, or as a topping for nachos.