In a large bowl, combine the black-eyed peas, corn, red bell pepper, red onion, and cilantro.
In a small bowl, whisk together the lime juice, olive oil, cumin, chili powder, salt, and pepper.
Pour the dressing over the bean mixture and stir to combine.
Cover and refrigerate for at least 30 minutes to allow the flavors to meld.
Serve chilled with tortilla chips.
Notes
This recipe can be made ahead of time and stored in the refrigerator for up to 3 days. For a spicier kick, add a pinch of cayenne pepper to the dressing.