Begin by gently sauteeing garlic, onion, and spices in olive oil until fragrant and soft. Before the garlic browns, lower the heat and stir in chopped tomatoes, combining ingredients thoroughly. Add in all of the beans, corn, and pepper, then increase heat slightly until chili begins to bubble.
This chili can be eaten immediately once it is hot, but is best if it is allowed to simmer on low heat for an hour. After simmering, you may want to add hot sauce or cumin depending on the level of spice and smokiness you enjoy.