In a large pot over medium heat, add olive oil. Once hot, add chopped onions, minced garlic, and bell pepper. Sauté for about 5 minutes or until the onions become translucent.

Brown the Beef

Add the ground beef to the pot. Cook until browned, breaking it apart with a spoon, about 7-10 minutes.

Add Tomatoes and Beans

Stir in the canned diced tomatoes, kidney beans, water or beef broth, chili powder, cumin, salt, and black pepper. Mix well.

Simmer the Chili

Bring the mixture to a boil, then reduce heat to low. Cover and let it simmer for at least 30 minutes, stirring occasionally.

Adjust Seasoning and Serve

Taste the chili and adjust the seasoning if needed. Serve hot, garnished with your favorite toppings.