In a large mixing bowl, combine the sour cream, cream cheese, and mayonnaise. Beat with a hand mixer or whisk until smooth and creamy.

Add the taco seasoning to the creamy base and mix thoroughly until well combined.

Spread the mixture evenly into a shallow serving dish or pie plate.

Sprinkle the shredded cheddar cheese over the creamy base as the first layer of toppings.

Add the diced cherry tomatoes, red bell peppers, black beans, and corn kernels evenly over the cheese layer.

Sprinkle the chopped green onions and fresh cilantro over the dip for added freshness and flavor.

Garnish with the diced blue tortilla chips for a festive 4th of July look, incorporating red, white, and blue elements.

Cover the dish with plastic wrap and refrigerate for at least 30 minutes to chill and allow the flavors to meld.

Serve cold with tortilla chips or crackers for dipping.