Preheat oven to 350. Mix together cream cheese and sour cream until blends. Stir in black beans and taco seasoning.
Spray a 9 by 13 baking pan with cooking spray. Spread your spread mixture evenly into bottom of pan.
Sprinkle cheddar cheese on top of mixture.
Sprinkle Colby Jack on top.
Bake for 25 to 30 minutes, or until cheese is melted and slightly browned.
Serve with tortilla chips. My favorite are Juanita's.