Stove Top Method
In a large pot over medium heat, cook ground beef until browned. Drain excess grease.
Stir in garlic, tomato sauce, chili powder, cumin, oregano, salt, and cayenne pepper.
Reduce heat to low, cover, and simmer for 1 hour, stirring occasionally. Add ½ cup water if needed.
In a small bowl, mix masa harina with ½ cup water, then stir into the chili. Cook for 5 minutes.
Add kidney and pinto beans, stir to combine, and simmer for another 10 minutes.
Serve hot with desired toppings.
Crock Pot Method
In a pan or stove-safe Crock Pot insert, brown ground beef over medium heat and drain grease.
Transfer beef to Crock Pot. Stir in garlic, tomato sauce, chili powder, cumin, oregano, salt, cayenne, and masa harina mixed with ½ cup water.
Add beans and stir. Cover and cook on LOW for 4–6 hours, stirring occasionally.
Serve with toppings of your choice.
Instant Pot Method
Set Instant Pot to Sauté and brown the ground beef. Drain grease.
Stir in garlic, tomato sauce, spices, masa harina mixed with ½ cup water, diced tomatoes (with juice), and beans.
Seal the lid and set to the Chili/Beans setting (or manual high pressure) for 20 minutes.
Allow for natural or quick pressure release. Serve with your favorite garnishes.
Notes
You can substitute masa harina with cornmeal, flour, or a cornstarch slurry.
This chili is even better the next day—store in the fridge for up to 4 days or freeze for up to 3 months.
Serve with cornbread, rice, or tortilla chips for a complete meal.