Preheat the Oven – Set your oven to 375°F. Arrange the phyllo shells on a baking sheet and set aside.
Prepare the Filling – In a bowl, mix cream cheese, cheddar cheese, and mayonnaise until smooth.
Add the Jalapeño Heat – Remove the stem and seeds from the fresh jalapeño, finely mince, and mix with the jarred diced jalapeños. Stir into the cheese mixture along with garlic powder and salt.
Assemble the Bites – Spoon the cheesy mixture into each phyllo shell, topping with crumbled bacon or veggie bacon bits if desired.
Bake to Perfection – Place in the oven and bake for 10-15 minutes until the phyllo is golden and crispy, and the cheese is melty. Serve immediately.