In a medium bowl, combine cream cheese, sour cream, cheddar cheese, Monterey Jack cheese, garlic powder, onion powder, paprika, salt, and pepper.
Stir until well combined and creamy.
Spread the mixture evenly into a small baking dish.
Bake for 20-25 minutes, or until bubbly and lightly browned.
Serve warm with tortilla chips, crackers, or bread.
Notes
This dip can be made ahead of time and reheated before serving. You can also add other ingredients like diced jalapeños or cooked bacon for extra flavor.