In a medium bowl, combine softened cream cheese, sour cream, minced garlic, salt, and pepper. Mix until well combined.
453.592 ounces cream cheese
Stir in the shredded cheddar and Monterey Jack cheeses until evenly distributed.
453.592 ounces cream cheese
Spread the mixture evenly into a small oven-safe baking dish (approximately 8x8 inches or similar).
Bake for 20-25 minutes, or until the dip is hot and bubbly and the cheese is melted.
Serve immediately with your favorite dippers such as tortilla chips, crackers, bread, or fresh vegetables.
Notes
For an extra layer of flavor, you can add a pinch of cayenne pepper or some chopped jalapeños to the cheese mixture. If the top of the dip starts to brown too quickly, you can loosely tent it with foil.