Hearty Three Bean Chili: The Ultimate Homemade Recipe for Cozy Nights & Game Days
There’s nothing quite like a steaming bowl of chili to warm you from the inside out, whether it’s a chilly autumn evening or a lively football Sunday. This incredibly satisfying 3 Bean Chili recipe is a true crowd-pleaser, crafted with a rich, homemade chili seasoning, succulent fresh ground beef, the deep flavor of fire-roasted tomatoes, and a robust medley of three distinct types of canned beans. It’s designed to be both simple enough for a busy weeknight and hearty enough to feed a hungry gathering, making it a versatile staple for any home cook looking for a deeply flavorful and easy meal.

Why This Three Bean Chili Will Become Your New Favorite
There are countless reasons why this particular 3 Bean Chili recipe has become a beloved staple in our home, often requested by my family (especially my oldest son!). For years, my go-to was a classic homemade chili, relying on my signature chili seasoning blend. While that recipe always hit the spot, I occasionally like to introduce new layers of flavor and texture to keep things exciting. That’s precisely how this delightful three-bean version came to be, proving to be a perfect fit without adding any unnecessary complexity to a busy weeknight.
What makes this chili stand out is the thoughtful combination of ingredients that work together to create a deeply satisfying experience. We ventured beyond a single bean variety, incorporating three different types not just for their distinct textures and nutritional benefits, but also for the beautiful visual appeal they bring to each spoonful. Alongside this, I subtly enhanced my homemade seasoning, giving the chili an extra kick that elevates its warmth and character. This minor adjustment transformed a simple, comforting dish into an unforgettable culinary experience that has remained a steadfast family favorite ever since its inception. It’s the kind of meal that makes you feel cozy and nourished, perfect for gathering around the table or cheering on your favorite team.

One of the biggest advantages of this recipe, and indeed any good homemade chili, is the freedom to customize. While store-bought seasoning packets offer convenience, I’ve personally preferred crafting my own chili seasoning mix for over two decades. It allows for complete control over the flavor profile, ensuring a fresh, vibrant, and perfectly balanced blend every time. Once mixed, it can be stored in an airtight container in your pantry, ready to transform ordinary ground beef into an extraordinary meal whenever the craving strikes. This commitment to fresh, homemade spices truly makes a difference in the depth and authenticity of your homemade chili.

Essential Ingredients for Your Perfect Three Bean Chili
Crafting this incredible three bean chili starts with a selection of high-quality, yet easily accessible, ingredients. Each component plays a vital role in building the robust and layered flavor profile that makes this dish so irresistible. Below, you’ll find a breakdown of what you’ll need, along with insights into why these specific choices make all the difference. Remember, for precise measurements and detailed instructions, always refer to the printable recipe card located at the end of this post.

The Power of Three Beans: Flavor, Texture, and Nutrition
The “3 Bean” in this chili isn’t just a catchy name; it’s a core element that adds incredible depth and nutritional value to every spoonful. We specifically use dark red kidney beans, black beans, and white kidney beans (cannellini). Each variety contributes something unique to the overall profile of this homemade chili:
- Dark Red Kidney Beans: These classic chili beans provide a hearty, earthy flavor and a firm, meaty texture that stands up well to simmering. They’re excellent for absorbing the rich spices of the chili, offering a robust foundation.
- Black Beans: With their slightly softer texture and distinct, subtly sweet flavor, black beans add another dimension. They also contribute a beautiful dark color and a creamy consistency when cooked down slightly, enriching the stew.
- White Kidney Beans (Cannellini): These offer a milder flavor and a wonderfully creamy texture, helping to thicken the chili naturally and providing a gentle, buttery contrast to the firmer kidney and black beans. They integrate seamlessly into the sauce, adding to the chili’s luxurious mouthfeel.
Together, these three beans create a harmonious blend of tastes and textures that elevate the chili far beyond what a single bean variety could achieve. They also pack a powerful nutritional punch, offering a significant source of fiber, plant-based protein, and essential minerals, making this chili both delicious and incredibly wholesome.
Expert Tips and Frequently Asked Questions for Perfect Chili
To ensure your homemade three bean chili turns out absolutely perfect every time, and to answer some common questions that often arise when cooking chili, here are a few expert tips and FAQs:
- Customizing Your Chili’s Flavor and Heat: Our homemade seasoning recipe is a fantastic starting point, but don’t hesitate to make it your own! For added savory depth and freshness, consider sautéing diced green bell peppers and a finely chopped onion with your ground beef until softened. If you crave more heat, finely diced jalapeños (seeded or unseeded, depending on your preference for spice) or even a pinch of cayenne pepper can be tossed in. You can also experiment with a dash of smoked paprika for an extra layer of smoky flavor, or a touch of unsweetened cocoa powder for a richer, more complex, almost mole-like taste that many chili enthusiasts adore.
- Serving Suggestions to Complete Your Meal: A bowl of warm chili is a meal in itself, but it truly shines when paired with delicious sides and a variety of toppings. We highly recommend serving it with our delectable sweet cornbread, generously slathered with butter and a drizzle of honey. If you prefer a yeast bread, our favorite accompaniment is this rustic Italian bread recipe, perfect for tearing and soaking up every last bit of the flavorful broth. For toppings, think classic shredded cheddar cheese, a dollop of cooling sour cream or a healthier Greek yogurt, chopped fresh cilantro or green onions for brightness, sliced avocado for creaminess, or even a sprinkle of crushed tortilla chips for a satisfying crunch.
- To Rinse or Not to Rinse Your Beans?: When using canned beans, I typically drain them but do not rinse them. The viscous liquid that comes with the beans, often referred to as aquafaba, can contribute to the overall flavor, body, and thickness of the chili, adding a desirable richness. However, if you are particularly concerned about reducing the added sodium content, you can absolutely rinse them thoroughly under cold running water in a colander before adding them to the pot. This is entirely a matter of personal preference and dietary needs, and either method will yield a delicious result.
- Making Ahead and Storing Leftovers: Chili is one of those magical dishes that often tastes even better the next day as the flavors have more time to meld and deepen. It’s an excellent candidate for meal prepping for the week ahead! Store any leftover three bean chili in airtight containers in the refrigerator for up to 3-4 days. It also freezes exceptionally well for up to 3 months. To reheat, simply warm on the stovetop over medium heat, stirring occasionally, or in the microwave. Add a splash of broth or water if it becomes too thick during storage.
- Choosing Your Ground Beef: For a hearty and flavorful chili, I typically recommend using an 80/20 or 85/15 ground beef blend. The higher fat content contributes significantly to the chili’s overall flavor and richness. After browning, it’s essential to drain off any excess fat to prevent the chili from becoming overly greasy. If you prefer a leaner option, you can certainly use 90/10 or even leaner ground beef, but you might want to add a tablespoon of olive oil or other cooking oil when browning to prevent sticking and ensure proper flavor development in the pan.
Crafting Your Hearty Three Bean Chili: Step-by-Step Guide
These step-by-step photos and detailed instructions are designed to help you visualize each stage of making this delicious chili. For a complete, printable recipe card with all measurements and serving suggestions, please scroll down to the end of this post!
Step 1: Prepare the Homemade Seasoning
Begin by assembling your incredible homemade chili seasoning. In a medium-sized bowl, carefully measure out all the dry seasoning ingredients – flour, dried minced onion, chili powder, ancho chili powder, salt, crushed red pepper, dried minced garlic, sugar, and ground cumin. Use a fork or a small whisk to thoroughly mix them together until well combined. This ensures that every spoonful of your chili will be bursting with evenly distributed flavor, and it’s a simple yet crucial step that sets this recipe apart from those relying on pre-made packets, offering a fresher, more vibrant taste.
Step 2: Brown the Ground Beef to Perfection

Next, in a large skillet or a sturdy Dutch oven (which is an excellent choice for its even heat distribution and ability to go from stovetop to table), brown your ground beef over medium-high heat. As it cooks, use a wooden spoon or a meat choppe to break the meat apart into uniform crumbles, ensuring it browns evenly until no pink remains. Once fully cooked and beautifully caramelized, carefully drain off any accumulated excess fat. This step is crucial for both the depth of flavor and the optimal texture of your chili, preventing it from becoming overly greasy. Return the perfectly browned beef to the pan, ready for the next delicious additions that will build the foundation of your hearty meal.
Step 3: Combine Ingredients and Begin the Simmer
Now for the magic! To the browned ground beef in your pot, add the fire-roasted diced tomatoes (remember, do not drain these – the liquid is full of smoky flavor and contributes to the chili’s body!), and your freshly mixed homemade seasoning blend. Stir everything thoroughly with your wooden spoon to ensure the seasoning is evenly distributed and coats every piece of beef and tomato. Then, gently stir in your trio of drained (but optionally rinsed, as discussed in the tips above) beans – the dark red kidney beans, black beans, and white kidney beans. Pour in the beef broth, which adds a savory richness, and then add enough water to achieve your desired consistency and to make stirring easier. Start with the suggested amount and adjust later if needed, depending on how thick or soupy you prefer your chili.

Step 4: Simmer to Perfection
Bring the chili mixture to a gentle boil over medium-high heat. Once it reaches a boil, reduce the heat to low, cover, and let it simmer for 20-30 minutes. This simmering time is crucial, as it allows all the wonderful flavors to meld and deepen, creating that rich, complex taste chili is famous for. Stir occasionally to prevent sticking to the bottom of the pot and ensure even cooking and distribution of flavors. As it simmers, keep an eye on the consistency; if the chili becomes too thick for your liking, simply add a bit more water or beef broth until it reaches your preferred texture. Continue simmering until it’s thoroughly warmed through and incredibly fragrant, filling your kitchen with an enticing aroma. Remember, the longer it simmers, the more the flavors will develop, resulting in an even more delicious chili!

Once your chili has simmered to perfection, it’s ready to be served and enjoyed! This Three Bean Chili truly is a delicious and satisfying meal, perfect for a cozy weeknight dinner or for feeding a hungry crowd during a gathering. Its flavors only improve over time, making it fantastic for leftovers. Pack it into containers for easy and flavorful lunches at work throughout the week, or freeze it for a quick meal on a future busy day. We sincerely hope you enjoy this hearty and wholesome creation as much as our family does!
More Delicious Chili Recipes to Explore
If you love chili as much as we do, you’re in luck! There are so many wonderful variations to try. Here are some of our other favorite chili recipes that you might enjoy:
- Chili and Cornbread Stuffed Peppers
- Chili Mac
- Make Your Own Homemade Chili Seasoning
- Chicken Chili with Black Beans & Corn
- Instant Pot Chili
- Crockpot Chili
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3 Bean Chili
IMPORTANT – There are often Frequently Asked Questions within the blog post that you may find helpful. Simply scroll back up to read them!
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Ingredients
Chili Seasoning:
- 2 tablespoons flour
- 4 tablespoons dried minced onion
- 2 teaspoons chili powder
- 1 teaspoon of ancho chili powder
- 2 teaspoons salt
- 1 teaspoon crushed red pepper
- 1 teaspoon dried minced garlic
- 1 teaspoon sugar
- 1 teaspoon ground cumin
To Make the Chili:
- 2 pounds ground beef
- 30 oz fire roasted diced tomatoes 2 15-oz cans, do not drain
- 15 oz dark red kidney beans can, drained but not rinsed
- 15 oz black beans can, drained but not rinsed
- 15 oz white kidney beans can, drained but not rinsed
- ½ cup beef broth
- 1 cup water
Things You’ll Need
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5 qt Dutch oven
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Ladle
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Wooden spoon
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Serving bowls
Before You Begin
- There are many ways to change up the spices, the seasoning recipe is just a great starter! Try adding green bell peppers and diced onion, and for more heat toss in diced jalapenos.
- Serve with my delicious sweet cornbread slathered in butter and honey.
- If you prefer a yeast bread with your chili, our favorite is this Italian bread recipe.
- I drain my beans but I don’t rinse them. You can rinse them if you are concerned about the added sodium.
Instructions
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Prepare the seasoning by measuring all seasoning ingredients into the same bowl and mix together with a fork.
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Brown ground beef in a skillet until no longer pink. Drain off fat from ground beef and return beef to pan.
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Add the tomatoes and seasoning mix and stir to combine. Stir in the beans and the broth. Add enough of the water to make it easy to stir.
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Bring to a boil, reduce heat and simmer for 20-30 minutes, stirring occasionally. If mixture becomes too thick, add more of the water and continue simmering until warmed through.
Nutrition
The recipes on this blog are tested with a conventional gas oven and gas stovetop. It’s important to note that some ovens, especially as they age, can cook and bake inconsistently. Using an inexpensive oven thermometer can assure you that your oven is truly heating to the proper temperature. If you use a toaster oven or countertop oven, please keep in mind that they may not distribute heat the same as a conventional full sized oven and you may need to adjust your cooking/baking times. In the case of recipes made with a pressure cooker, air fryer, slow cooker, or other appliance, a link to the appliances we use is listed within each respective recipe. For baking recipes where measurements are given by weight, please note that results may not be the same if cups are used instead, and we can’t guarantee success with that method.
This post originally appeared here on Nov 11, 2014.