In a small bowl, whisk together olive oil, limejuice, balsamic vinegar, chili powder, and cumin.
Rinse and drain both cans of beans and add to alarge bowl.
Finely dice the bell pepper, tomatoes, red onion, cilantro, and jalapeno and add to the beans. For a spicier caviar, mix in the jalapeno seeds; for milder caviar, discard the jalapeno seeds.
Lastly, mix all ingredients together and toss with dressing. Enjoy with chips, bell pepper slices, in an omelet, or by the spoonful!