In a large mixing bowl, combine the black beans, black-eyed peas, corn, diced bell pepper, diced red onion, diced jalapeño pepper, and chopped fresh cilantro.
In a separate small bowl, whisk together the olive oil, red wine vinegar, lime juice, ground cumin, chili powder, salt, and pepper until well combined.
Pour the dressing over the bean and vegetable mixture in the large bowl and toss until everything is evenly coated.
Cover the bowl with plastic wrap and refrigerate for at least 1 hour to allow the flavors to meld together.
Before serving, give the cowboy caviar a good stir and adjust the seasoning with additional salt and pepper, if needed.
Serve the cowboy caviar chilled with tortilla chips for dipping.
Enjoy this colorful and flavorful southwestern cowboy caviar as a delicious appetizer or side dish!
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