Preheat oven to 350 degrees.
In a medium bowl, combine cream cheese with remaining ingredients, reserving ¼ cup of the white cheddar cheese. Stir until completely mixed.
Pour into a baking dish and sprinkle the remaining ¼ cup of cheddar on top.
Bake for about 15 minutes and then switch oven to broil until top is golden. Serve hot.
Note: If making with pretzels, cheese dip can go in a hotter oven but reduce baking time.