In a large bowl, combine the thawed corn, softened cream cheese, sour cream, mayonnaise, crumbled Cotija cheese, shredded cheddar cheese, minced garlic, chili powder, and cayenne pepper (if using).
Stir everything together until well combined and creamy.
Pour the mixture into a small oven-safe baking dish.
Bake for 20-25 minutes, or until the dip is heated through and bubbly, and the cheese is melted.
Remove from oven, squeeze fresh lime juice over the top, and garnish with chopped fresh cilantro.
Serve hot with tortilla chips, crackers, or vegetable sticks.
Notes
For a spicier dip, add an extra pinch of cayenne pepper or a diced jalapeño.