01 - Set oven temperature to 375°F for baking the nacho cups.
02 - Place one tortilla chip into each cavity of a mini muffin tin, pressing gently to form cup shapes that hold the fillings.
03 - Distribute the shredded cheddar and Monterey Jack cheeses evenly among all chip cups, filling the bottom of each cup.
04 - Top each cheese-filled cup with black beans, cherry tomatoes, black olives, jalapeño slices, and red onion, distributing ingredients evenly.
05 - Bake in the preheated oven for 8–10 minutes until cheese is completely melted and bubbly.
06 - Remove the muffin tin from the oven using oven mitts and let the nacho cups cool for 2–3 minutes to set slightly.
07 - Top each warm cup with a small dollop of sour cream and sprinkle with fresh cilantro. Serve immediately with salsa or guacamole on the side.