Creamy Cowboy Soup is the kind of bowl that feels like a warm hug after a long day. It’s a hearty, slightly smoky beef-and-bean soup finished with a touch of cream, sharp cheddar, and crunchy tortilla chips — the comfort of a casserole with the ease of a one-pot meal. I first made it on a cold weeknight when pantry staples needed to become dinner, and it turned into an instant family favorite: filling, quick, and forgiving.
Why you’ll love this dish
This soup hits a lot of home-cooking sweet spots. It’s:
- Satisfying and budget-friendly — pantry cans and a pound of ground beef stretch a long way.
- Quick enough for weeknights — mostly active work is browning and sautéing; simmer time is short.
- Kid-friendly and customizable — mild spices but easy to ramp up for adults.
- Crowd-pleasing for potlucks or game-day nights — it travels well and holds warmth.
It’s perfect for rainy evenings, last-minute dinners, or when you want something stick-to-your-ribs without fuss.
“A little smoky, a little creamy, and wildly more comforting than the sum of its cans.” — a quick note from my dinner table
The cooking process explained
Before you dive in, here’s the simple roadmap:
- Brown the ground beef and drain excess fat to keep the soup clean-tasting.
- Sauté onions and garlic in the pot to build a savory base.
- Add potatoes, beans, corn, tomatoes, and broth; season and simmer until potatoes are tender.
- Stir in cream to finish for richness, then top with cheddar and tortilla chips to serve.
This keeps the workstage clear: protein first, aromatics next, bulk ingredients and simmer, finish creamy.
What you’ll need
- 1 lb ground beef (substitute: ground turkey or plant-based crumbles)
- 1 (15 ounce) can black beans, drained and rinsed
- 1 (15 ounce) can corn, whole kernel, drained (frozen corn works too)
- 2 garlic cloves, minced
- 1 green onion, chopped (reserve some for garnish)
- 1 small onion, chopped
- 1 cup potatoes, diced (Yukon gold or red potatoes hold texture well)
- 1 (14.5 ounce) can tomatoes, with juice
- 1 (10 ounce) can tomatoes with green chilies
- 4 cups beef broth (substitute: vegetable broth for a lighter flavor)
- 1 tsp chili powder (adjust to taste)
- 1 tsp smoked paprika
- 1/2 tsp ground cumin
- Salt and black pepper to taste
- Tortilla chips for serving
- 1 cup cheddar cheese, shredded (use sharp for more punch)
- 1 cup heavy cream or half and half (half and half for a lighter finish)
Notes: If using leaner meat, you may skip draining fat. For lower dairy, use half and half or stir in cream just before serving.
Step-by-step instructions
- Heat a large pot over medium. Add the ground beef and cook, stirring to break it up, until no pink remains. Drain off any excess fat.
- Add the chopped onion, minced garlic, and chopped green onion to the pot. Sauté until the onion is soft and translucent, about 3–4 minutes.
- Stir in the diced potatoes, black beans, and corn. Add the canned tomatoes (with their juice) and the tomatoes with green chilies. Pour in the beef broth.
- Sprinkle in chili powder, smoked paprika, ground cumin, salt, and black pepper. Stir to combine.
- Bring the soup to a boil, then lower the heat to a simmer. Cook for about 20 minutes, or until the potatoes are fork-tender.
- Remove the pot from heat and stir in the heavy cream or half and half until the soup is smooth and creamy. Taste and adjust seasonings.
- Ladle into bowls and top each serving with shredded cheddar and a handful of tortilla chips.

Best ways to enjoy it
- Serve in deep bowls with extra tortilla chips on the side for scooping.
- Garnish with sliced green onions, a dollop of sour cream, or chopped cilantro.
- Offer warm cornbread, a simple green salad, or a tray of baked potatoes as sides.
- For a heartier meal, serve over rice or spoon into baked potato halves.
How to store & freeze
- Refrigerator: Cool the soup to room temperature, then store in airtight containers for 3–4 days.
- Reheating: Gently reheat on the stove over medium-low until steaming. Bring to a simmer and stir occasionally; reheat to at least 165°F (74°C) for safety. If the soup thickened in the fridge, add a splash of broth as you warm it.
- Freezing: For best texture, freeze portions without the cream and cheese. Freeze in airtight, freezer-safe containers for up to 3 months. Thaw overnight in the refrigerator and stir in cream when reheating. Cooked potatoes may soften a bit after freezing — smaller dice hold up better.
Pro chef tips
- Brown the beef well: those caramelized bits add deep flavor. Don’t rush this step.
- Drain excess fat to avoid an oily broth, unless you want a richer finish.
- Dice potatoes uniformly so they cook evenly in the 20-minute simmer.
- Add cream off the heat to prevent curdling and maintain a silky texture.
- If you like a thicker soup, mash a few potatoes against the pot side or stir in an extra half cup of beans and cook a few minutes longer.
Creative twists
- Smokier: Add a chipotle pepper in adobo (minced) or extra smoked paprika for a smoky kick.
- Vegetarian: Swap beef for a can of kidney beans and use vegetable broth; add a cup of chopped mushrooms for savory depth.
- Tex-Mex: Stir in cooked rice and top with pickled jalapeños and avocado slices.
- Cheesy bake: Pour the soup into oven-safe bowls, top with extra cheddar, and broil briefly to create a melty crust.
Common questions
Q: How long does this take from start to table?
A: Active time is about 15–20 minutes (browning and prep). Simmer time is ~20 minutes. Plan on 40–45 minutes total.
Q: Can I use milk instead of cream?
A: You can use whole milk or a mix of milk plus a tablespoon of butter for richness, but the texture will be lighter. Half and half is a good middle ground.
Q: Is this safe to freeze with the dairy added?
A: Dairy can separate and become grainy after freezing. For best texture, freeze without the cream and stir fresh cream in when reheating.
Q: Can I make this ahead for a party?
A: Yes. Make the soup up to 2 days ahead, cool quickly, and refrigerate. Reheat slowly and add fresh cream and chips just before serving.
Q: I want it spicier — how?
A: Increase the chili powder, add cayenne to taste, or stir in chopped jalapeños or a minced chipotle pepper.
Q: What if I don’t have potatoes?
A: Extra beans, a cup of cooked rice, or diced carrots and celery can bulk it up, though cook times will vary.
Conclusion
If you want a reliable, family-friendly weeknight supper that’s rich, simple, and adaptable, this version delivers. For a compact recipe page and a printable variant to keep on hand, check out Creamy Cowboy Soup Recipe: Your New Cozy Weeknight Delight.
Print
Creamy Cowboy Soup
- Total Time: 45 minutes
- Yield: 4 servings
- Diet: Non-Vegetarian
Description
A hearty, slightly smoky beef-and-bean soup finished with cream, cheddar, and crunchy tortilla chips — the comfort of a casserole with the ease of a one-pot meal.
Ingredients
- 1 lb ground beef
- 1 (15 ounce) can black beans, drained and rinsed
- 1 (15 ounce) can corn, drained
- 2 garlic cloves, minced
- 1 green onion, chopped (reserve some for garnish)
- 1 small onion, chopped
- 1 cup potatoes, diced
- 1 (14.5 ounce) can tomatoes, with juice
- 1 (10 ounce) can tomatoes with green chilies
- 4 cups beef broth
- 1 tsp chili powder
- 1 tsp smoked paprika
- 1/2 tsp ground cumin
- Salt and black pepper to taste
- Tortilla chips for serving
- 1 cup cheddar cheese, shredded
- 1 cup heavy cream or half and half
Instructions
- Heat a large pot over medium. Add the ground beef and cook, stirring to break it up, until no pink remains. Drain excess fat.
- Add the chopped onion, minced garlic, and chopped green onion to the pot. Sauté until the onion is soft, about 3–4 minutes.
- Stir in the diced potatoes, black beans, and corn. Add the canned tomatoes and beef broth.
- Sprinkle in chili powder, smoked paprika, ground cumin, salt, and black pepper. Stir to combine.
- Bring the soup to a boil, then lower the heat to a simmer. Cook for about 20 minutes, or until the potatoes are fork-tender.
- Remove from heat and stir in the heavy cream or half and half until smooth. Taste and adjust seasonings.
- Ladle into bowls and top with shredded cheddar and tortilla chips.
Notes
If using leaner meat, you may skip draining fat. For lower dairy, use half and half or stir in cream just before serving.
- Prep Time: 15 minutes
- Cook Time: 30 minutes
- Category: Soup
- Method: Cooking
- Cuisine: American