Combine the black beans, black-eyed peas, corn, tomatoes, onion, bell pepper and cilantro in a large bowl.
Whisk together the olive oil, lime juice, red wine vinegar, cumin, chili powder and a generous pinch of salt in a small bowl until it no longer looks separated.
Pour the dressing over the bean mixture and toss gently to coat everything evenly.
Fold in the diced avocado last and gently, so it stays in clean chunks rather than mashing into the dressing.
Chill for at least 20 minutes to let the flavors meld.
Serve cold with scoop-style tortilla chips.
Good to Know
Hold the avocado back until right before serving, everything else keeps well dressed and chilled for up to two days.