Step 1: Preheat the oven to 350 degrees F.
Step 2: In a medium bowl, mix the mayonnaise, cream cheese, Cheddar cheese, Monterey Jack cheese, green onions, and cayenne pepper. Transfer the mixture to a shallow baking dish, such as a 9-inch pie pan. Top the mixture with the cracker crumbs and bake until heated through about 15 minutes.
Step 3: Remove the pan from the oven and top with the bacon. Serve immediately with corn chips, crackers or bagel chips.
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