01 - Heat a large pot over medium heat. Add ground turkey and cook, breaking it apart with a spoon, until browned and cooked through, approximately 5 to 6 minutes. Drain excess fat if necessary.
02 - Add onion, bell pepper, jalapeño, and garlic to the pot. Cook, stirring occasionally, until vegetables soften, approximately 4 to 5 minutes.
03 - Stir in chili powder, cumin, smoked paprika, oregano, salt, black pepper, and cayenne pepper. Cook for 1 minute to release the aromatic oils.
04 - Add diced tomatoes, kidney beans, black beans, and chicken broth. Stir thoroughly to integrate all components.
05 - Bring the mixture to a boil, then reduce heat to low and simmer uncovered for 25 to 30 minutes, stirring occasionally, until the consistency thickens and flavors develop.
06 - Taste the chili and adjust salt, pepper, and spices as needed to achieve desired flavor balance.
07 - Ladle chili into bowls. Top with cheddar cheese, cilantro, and sour cream if desired.
08 - Serve the chili hot, accompanied by crackers for dipping and texture contrast.