- Combine beans, chicken, onion and garlic powder, cumin, oregano, cloves, pepper, chilies, and chicken broth in a stock pot or large saucepan.
- Bring to a boil over medium high heat.
- Add cheese.
- Reduce heat to medium low and simmer for 30 minutes.
- Serve hot.
- If desired, garnish each bowl with sour cream and grated Monterey Jack OR cheddar cheese.
For spicier chili, add 2 chopped jalapeno peppers