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In a large skillet, cook the ground beef over medium-high heat until browned and crumbled.
Add the diced onion and minced garlic. Cook for 2-3 minutes until the onion is translucent.
Stir in the tomato sauce, diced tomatoes, black beans, and kidney beans.
Add the chili powder, cumin, oregano, and cayenne pepper. Season with salt and pepper to taste.
Bring the mixture to a simmer and let it cook for 10-15 minutes, stirring occasionally, until the flavors have melded.
Serve hot, and adjust the spice level to your preference.