Preheat your oven to 375°F (190°C). Alternatively, use a large skillet on medium heat if you prefer cooking on the stovetop.
In a large mixing bowl, combine the softened cream cheese, sour cream (or Greek yogurt), and shredded cheddar cheese. Stir until you achieve a smooth blend.
Next, add the fresh corn kernels, diced red and green bell peppers, chopped jalapeño, minced garlic, green onions, and cilantro. Mix thoroughly.
Then, sprinkle in the cumin, chili powder, salt, and pepper. Pour in the lime juice and stir until all ingredients are evenly distributed.
If using, gently fold in the diced smoked turkey to enhance the flavor without overpowering the dip.
Transfer the mixture into an oven-safe baking dish and smooth the top with a spatula.
Bake in the preheated oven for 20 to 25 minutes, or until the dip is hot and bubbly. If you opt for the stovetop method, let it simmer gently for 15 to 20 minutes.
Finally, remove the dish from the oven or skillet and allow it to cool slightly before serving. Enjoy warm with tortilla chips, crackers, or fresh vegetable sticks.