In a bowl, mix olive oil, garlic, lime juice, chili powder, cumin, smoked paprika, salt, and pepper.

Coat the steak in the marinade, cover, and refrigerate for 30 minutes to 2 hours.

Cook the Steak

Preheat a grill or skillet over high heat.

Cook steak for 4–5 minutes per side until charred on the outside and medium inside.

Remove, rest for 5 minutes, then chop into bite-sized pieces.

Prepare the Cheese Base

In a cast-iron skillet, add shredded cheese (plus cream cheese if using).

Broil or heat on the grill until melted and bubbly.

Assemble

Top the melted cheese with chopped steak, tomatoes, jalapeño, and cilantro.

Serve

Serve hot with tortilla chips or warm tortillas for dipping.

Serving and Storage Tips