Combine the heated refried beans, salsa, Monterey Jack cheese, cream cheese, onion powder, salt and pepper, and jalapeno (if you are using one) in a medium-sized mixing bowl. Mix together well until all ingredients are blended and the Monterey Jack cheese should be slightly melted from the heated refried beans.
1 can refried beans, ⅓ cup Salsa, 2 cups Monterey Jack cheese, 1 cup cream cheese, ¼ tsp onion powder, Salt and pepper, 1 tbsp jalapeno