Spread refried beans evenly in a 9-inch pie dish, then spread the guacamole over the beans.
Beat cream cheese, 1 cup of the sour cream, and taco seasoning until smooth; spread over the guacamole.
Sprinkle with cheddar, tomatoes, and sliced olives.
Put the remaining ½ cup sour cream in a zip-top bag, snip a corner, and pipe concentric circles on top. Drag a toothpick from the center outward to form the web.
Build a little spider from the extra olive slices and set it on the web. Serve with tortilla chips!