Preheat oven to 375 degrees and line a rimmed baking sheet with parchment paper.
Place about 20 tortilla chips on the prepared pan and space out so they aren’t touching.
Top each chip first with a spoonful of refried beans, then some shredded cheddar cheese, then one pickled jalapeño slice.
Bake at 375 degrees for 15 minutes or until cheese is melted and starting to brown, and beans are heated through.
Garnish with chopped fresh cilantro and a squeeze of fresh lime juice, if desired.