Preheat the oven: Set to 400°F (200°C). Lightly grease a 9x13-inch baking dish with olive oil or butter.
Prep the bacon: Cook bacon until crisp, drain, and crumble.
Set aside. You can do this earlier in the day to save time.
Season the chicken: Pat chicken dry. Mix the salt, pepper, garlic powder, onion powder, and smoked paprika.
Sprinkle evenly on both sides. Place chicken in the baking dish.
Make the jalapeño topping: In a bowl, mix softened cream cheese, sour cream, cheddar, mozzarella, and chopped jalapeños. Stir until smooth and combined.
Assemble: Spread the cream cheese mixture evenly over the chicken breasts, covering them from edge to edge.
Top with crumbled bacon.
Bake: Bake for 22–28 minutes, depending on thickness, until the chicken reaches an internal temperature of 165°F (74°C) and the topping is bubbly.
Optional broil: For a golden top, broil for 1–2 minutes at the end. Watch closely.
Rest and garnish: Let sit for 5 minutes. Sprinkle with green onions and a squeeze of lime if you like.
Serve: Pair with a simple side like roasted broccoli, sautéed zucchini, or a crisp green salad.