To a mixing bowl, combine black beans, red bell pepper, red onion, cumin, and chili powder. Option to add in any additional flavourings like garlic powder, cilantro, chopped jalapeno, or a squeeze of lime juice.
½ cup black beans, 2 tbsp red bell pepper, 1 tbsp red onion, ½ tsp cumin, ½ tsp chili powder, ⅓ cup cheddar cheese, garlic powder, cilantro, jalapeno, lime juice