In a large pot, heat olive oil over medium heat. Sauté chopped onion for about 5-7 minutes until softened.
Add minced garlic, red bell pepper, and jalapeño (if using). Cook for another 2-3 minutes.
Stir in chili powder, cumin, smoked paprika, oregano, and cayenne pepper; cook for 1 minute.
Pour in chicken broth along with black beans, corn, and diced tomatoes. Stir well.
Bring to a simmer; reduce heat to low and cover for 15–30 minutes.
Mix in shredded chicken and melted cream cheese until combined; then stir in sour cream off the heat.
Season with salt and pepper to taste before serving hot with your favorite toppings.
Helpful Notes:
This soup is versatile! Feel free to substitute chicken with shredded turkey or increase the vegetable content by adding zucchini or spinach. For a vegetarian option, omit the meat entirely or replace it with more beans. Adjust spice levels by modifying jalapeño and cayenne pepper amounts based on personal preference.