Preheat your oven to 350°F (175°C). Gather your ingredients for quick assembly.

Cook the bacon in a skillet over medium heat until crispy, about 8–10 minutes. Drain and chop.

In a mixing bowl, combine softened cream cheese, mayonnaise, sour cream, and garlic powder until smooth.

Add cooked bacon, chopped jalapeños, cheddar, Monterey Jack cheeses, salt, and pepper to the mixture. Stir until combined.

Transfer the mixture to an oven-proof skillet or baking dish. Top with reserved cheese, bacon, and jalapeños.

Bake in the oven for 15–20 minutes, until bubbly and golden brown. Broil for 3 additional minutes for crispiness.

Let cool for a minute and serve warm with tortilla chips, vegetables, or toasted baguette slices.