Prepare the vegetables:
Chop the tomatoes, avocado, onion, bell peppers, and jalapeño (if using). Add them to a large mixing bowl along with the black beans, corn, and fresh cilantro.
Make the dressing:
In a small bowl or jar, whisk together the olive oil, red wine vinegar, lime juice, honey, chili powder, cumin, salt, and black pepper until well combined.
Combine and toss:
Pour the dressing over the vegetable mixture. Gently toss everything together until evenly coated.
Chill and serve:
Let the cowboy caviar sit in the refrigerator for at least 30 minutes to allow the flavors to meld. Serve with tortilla chips, as a side salad, or as a topping for tacos or grilled meats.