Spicy Cheesy Refried Beans

1 tablespoon butter

¼ cup chopped onion

1 tablespoon chopped garlic

1 (16 ounce) can spicy fat-free refried beans

1 (4 ounce) package cream cheese

1 cup shredded Cheddar cheese

Preheat oven to 350 degrees F (175 degrees C).

Melt butter in a saucepan over medium heat; cook and stir onion and garlic until onion becomes translucent, 2 to 3 minutes.

Cook and stir refried beans into onion mixture until heated through, 3 to 5 minutes. Remove from heat and stir cream cheese into bean mixture. Spread mixture into a pie plate; top with Cheddar cheese.

Bake in the preheated oven until cheese is melted and bubbling, about 20 minutes.