Crack eggs into a medium bowl and season with salt and pepper. Whisk to blend.
Heat oil in a large skillet over medium heat. Add onion and jalapeño and cook until softened, about 5 minutes. Add garlic and cook 1 minute more.
Reduce heat to low and add eggs to pan. Cook until nearly set, stirring constantly with a rubber spatula, about 1 minute. Add cheese and chips and cook 30 seconds more, until eggs are cooked and cheese has melted.
Sprinkle with cilantro and serve immediately.
