01 - Heat a large pot or Dutch oven over medium heat. Add ground turkey and cook, breaking it up with a spoon, until browned and cooked through, approximately 5 to 6 minutes. Drain excess fat if necessary.
02 - Add the diced onion, bell pepper, jalapeño pepper, and minced garlic to the pot. Cook, stirring occasionally, until vegetables are softened, approximately 4 to 5 minutes.
03 - Stir in chili powder, cumin, smoked paprika, oregano, salt, black pepper, and cayenne pepper. Cook for 1 minute to release and bloom the spice flavors.
04 - Add diced tomatoes, kidney beans, black beans, and chicken broth to the pot. Stir well to combine all ingredients thoroughly.
05 - Bring the mixture to a boil, then reduce heat to low and simmer uncovered for 25 to 30 minutes, stirring occasionally, until thickened and flavors meld together.
06 - Taste the chili and adjust seasoning as needed with additional salt, pepper, or spices.
07 - Ladle the chili into bowls. Top each serving with shredded cheddar cheese, chopped cilantro, and sour cream if desired.
08 - Serve the chili hot, accompanied by crackers for dipping and eating alongside.