Honestly, I stumbled upon this chili recipe during one of those "what's in my pantry" moments when unexpected guests showed up. The smell that filled my kitchen that day? Pure magic. This isn't just another chili it's the kind that makes people ask for the recipe before they've even finished their first bowl.
I remember the first time I made this, I accidentally doubled the cumin. My husband walked in and said it smelled like a Mexican restaurant exploded in our kitchen in the best possible way. That "mistake" became our signature touch.
Ingredients
Base Ingredients
- 2 lbs ground beef (80/20): Don't go lean here you need that fat for flavor, trust me. I tried 93/7 once and it tasted like cardboard
- 2 large onions, diced: Yellow onions work best. I always cry like I'm watching a sad movie, but it's so worth it
- 1 large bell pepper, diced: Red or green, whatever's cheaper. I've used both and honestly can't tell the difference in the final dish
- 6 cloves garlic, minced: Or more. I'm a garlic fiend and my family has learned to live with it
Bean Brigade
- 1 can kidney beans, drained: The classic chili bean that holds its shape beautifully through all that simmering
- 1 can black beans, drained: Adds this gorgeous dark color and earthy flavor that makes everything feel fancier
- 1 can pinto beans, drained: The underrated hero that gets creamy and thick as it cooks
Liquid Gold
- 28 oz crushed tomatoes: San Marzano if you're feeling fancy, but honestly store-brand works just fine
- 2 cups beef broth: Better than Bouillon paste is my secret weapon here so much richer than those cubes
- 12 oz dark beer: Whatever you're drinking while cooking works perfectly
Spice Magic
- 3 tbsp chili powder: The star of the show don't cheap out on this one
- 2 tbsp cumin: Remember my doubling accident? Now I actually do use extra on purpose
- 2 tsp smoked paprika: This is what gives that campfire flavor without the actual campfire
- 1 tsp oregano: Mexican oregano if you can find it totally different game
Instructions
- Brown the Beef:
- Heat your biggest, heaviest pot over medium-high heat I'm talking the one you only break out for special occasions. Brown that beef in batches if you have to, because crowding it will give you gray, sad meat instead of those beautiful caramelized bits. I learned this the hard way after serving what looked like dog food to my in-laws. Season with salt and pepper while it cooks, and don't stir it too much! Let it develop that gorgeous crust. The smell should make your neighbors jealous through the walls.
- Build the Flavor Base:
- Push the meat to one side of the pot (or remove it if things are getting crowded) and add those diced onions to all that beautiful beef fat. If there's not enough fat, add a splash of oil we're not being health nuts today, people. Cook until they're golden and smell absolutely incredible, about 5-7 minutes. Then add the bell pepper and garlic, cooking until fragrant. This is where I always forget I'm cooking and get distracted by the amazing smells, so set a timer or you'll end up with burnt garlic like I did last Tuesday.
- Toast Those Spices:
- Here's where the magic happens! Add all your spices chili powder, cumin, smoked paprika, oregano and stir them around with the vegetables for about a minute. Your kitchen will smell like a Mexican restaurant and your family will start hovering around asking when dinner's ready. This step is crucial because toasting spices in fat releases oils you didn't even know existed. Don't skip it! I did once when I was in a hurry and the chili tasted flat and boring.
- Add the Liquids:
- Pour in that beer first it'll sizzle and steam and make you feel like a real chef. Scrape up any browned bits from the bottom of the pot with a wooden spoon because that's pure flavor gold. Then add the crushed tomatoes and beef broth. The mixture should look loose and soupy right now, but don't panic! I spent my first attempt convinced I'd ruined everything because it looked nothing like the thick chili I was expecting. Trust the process it's going to thicken beautifully as it simmers.
- Add Beans and Simmer:
- Drain and rinse those beans (unless you enjoy gritty chili learned that lesson the messy way) and stir them in gently. Bring the whole beautiful mess to a boil, then reduce heat to low and let it simmer uncovered for at least 2 hours. Yes, 2 hours! I know it seems like forever, but this is when all those flavors get cozy together and create something magical. Stir occasionally and taste as you go this is the fun part where you can adjust seasonings and pretend you're a professional chef.
- Final Touches:
- After simmering, your chili should be thick enough to coat a spoon and smell absolutely incredible like the kind of smell that makes people text you asking what you're cooking. Taste and adjust seasonings because every palate is different. I always add more cumin at this point because I'm obsessed, but you do you. If it's too thick, add more broth, too thin, let it simmer uncovered a bit longer. The beans should be tender but not mushy, and the meat should be falling-apart delicious.
The first time I served this to friends, I was secretly terrified it wouldn't live up to the hype I'd built up in my head. But watching everyone go back for seconds (and thirds!) while asking for the recipe? That's when I knew I'd found something special. This chili has become my go-to for everything from game day parties to comfort food emergencies.
Storage Tips
This chili is actually better the next day I'm not just saying that to make you feel better about leftovers. Store it in the fridge for up to 5 days, but honestly, it never lasts that long in my house. For freezing, let it cool completely first (I learned this when I cracked a glass container), then freeze in portions for up to 3 months. When reheating, add a splash of broth because it thickens as it sits. Don't microwave it directly from frozen unless you enjoy exploding chili disasters ask me how I know. Thaw overnight in the fridge, then reheat gently on the stove, stirring occasionally.

Ingredient Substitutions
Ground turkey works great if you're trying to be healthier just add a bit more oil since it's leaner. I've tried ground chicken but it gets a weird texture, so maybe skip that one. Vegetarians can omit the meat entirely and add an extra can of beans plus some diced mushrooms for that meaty texture. No beer? Use more broth or even coffee for a deeper flavor (I discovered this during a desperate Sunday when the liquor stores were closed). Can't find smoked paprika? Regular paprika plus a tiny bit of liquid smoke works in a pinch, though it's not quite the same magical flavor.
Serving Suggestions
This chili begs for cornbread preferably the slightly sweet kind that soaks up all the sauce. Top with sharp cheddar, sour cream, and green onions for the classic experience, or get fancy with avocado and lime. I love serving it over baked potatoes for a hearty winter meal, or with tortilla chips for a casual party vibe. A cold beer pairs perfectly, obviously, but a glass of bold red wine works too if you're feeling sophisticated. For dessert, something simple like vanilla ice cream cuts through all that spice beautifully.
Cultural Backstory
Chili has been starting arguments for decades Texas vs. Cincinnati, beans vs. no beans, the works. This recipe doesn't claim to be authentic to any particular region, it's just what tastes incredible to my family. The three-bean combination gives it heartiness that satisfies everyone at the table, from my bean-loving daughter to my traditionally meat-and-potatoes husband. I think the beauty of chili is that every family makes it differently, and that's exactly how it should be. This version has become our family's signature, born from happy accidents and lots of taste-testing over Sunday afternoon football games.
This three-bean chili recipe has earned its place in our family's regular rotation, and I have a feeling it'll do the same in yours. There's something deeply satisfying about stirring a pot of chili while it simmers, knowing you're creating something that'll warm hearts and fill bellies. I hope your kitchen smells as amazing as mine does right now.

Frequently Asked Questions
- → Can I make this chili recipe in a slow cooker?
Absolutely! Brown the meat and sauté the vegetables first, then transfer everything to your slow cooker. Cook on low for 6-8 hours or high for 3-4 hours. I actually prefer the stovetop method for better control, but slow cooker works when you're busy.
- → What if I don't like beans in my chili?
I get it my brother-in-law is the same way! You can totally omit them and add more meat or diced vegetables like zucchini or mushrooms. It'll still be delicious, just different. Maybe try just one type of bean first to ease into it?
- → How can I make this chili recipe spicier?
Add diced jalapeños with the bell peppers, or throw in some cayenne pepper or hot sauce to taste. I keep a bottle of chipotle hot sauce on the table for the heat-seekers in my family. Start small you can always add more!
- → Why is my chili too watery?
Don't panic! Let it simmer uncovered longer to reduce the liquid, or mix a tablespoon of cornmeal with some broth to make a slurry and stir it in. I've also used instant mashed potato flakes in desperate times weird but effective.
- → Can I double this chili recipe?
Definitely! I almost always make a double batch because it freezes so well. Just use your biggest pot and maybe extend the simmering time a bit. The hardest part is finding enough containers to store all that deliciousness.