Easy Party Nachos - Zest Plate

Ingredients

• 2 tablespoons chili powder.
• 1 1/2 teaspoons kosher salt.
• 1 teaspoon granulated garlic.
• 1 teaspoon granulated onion.
• 1 teaspoon ground cumin.
• 1/2 teaspoon dried oregano.
• 1/4 teaspoon black pepper.
• Pinch of cayenne pepper (optional).
• 1 teaspoon vegetable oil.
• 1 pound ground beef (80:20 lean-to-fat ratio).
• 16 ounces (2 cups) refried beans, canned or homemade.
• 1/4 cup water.
• 1 large bag of tortilla chips.
• 4 ounces cheddar cheese, grated (about 2 cups), plus more for topping.
• 4 ounces Colby Jack cheese, grated (about 2 cups), plus more for topping.
• 1 cup pico de gallo, store-bought or homemade, plus more for topping.
• 1/4 cup chopped cilantro.
• 1 jalapeño (pickled or fresh), sliced.
• Optional toppings: Guacamole, Salsa, Sour cream, Canned black olives, Sliced green onions, Shredded lettuce, Corn, Hot sauce.