Begin by gathering all your ingredients on a clean workspace.
Cube the Velveeta cheese into small pieces for easier melting.
In a medium saucepan over medium heat, add the cubed cheese.
Pour in the can of Rotel tomatoes with their juices.
If using, add the cooked ground beef or sausage to the pan.
Stir the mixture gently to combine all ingredients.
Add the black beans, chili powder, garlic powder, and cumin.
Continue to stir occasionally until the cheese is completely melted and smooth.
Season with salt and pepper to taste.
Once combined, remove from heat and transfer to a serving bowl. Garnish with fresh cilantro.