Preheat oven to 350 degrees F.
Add cream cheese to the bottom of a 7 by 9″ or 8 x 10″ casserole. Smooth out. Top with the chili (stir the can well first) then add beans. Heat, uncovered for about 15 to 20 minutes, until warmed through. Top with cheese and return to oven until cheese is melted. 3 to 4 more minutes.
Garnish with the onion or green onion.
Serve with strong tortilla chips or Fritos scoops.
Find it online: https://frugalhausfrau.com/2023/01/29/cincinnati-chili-dip/