Step 1: Rinse and drain the black beans and black-eyed peas thoroughly. If using frozen corn, ensure it is thawed and drained. If using fresh corn, cut the kernels from the cob.
Step 2: In a large mixing bowl, combine the rinsed black beans, black-eyed peas, corn kernels, finely diced red bell pepper, yellow bell pepper, and red onion.
Step 3: Add the chopped fresh cilantro and minced garlic to the vegetable mixture in the bowl.
Step 4: In a separate small bowl or jar, whisk together the extra virgin olive oil, apple cider vinegar, fresh lime juice, and honey (or maple syrup, if using).
Step 5: Stir in the ground cumin, chili powder, salt, and black pepper into the dressing until well combined. Taste the dressing and adjust seasonings as desired.
Step 6: Pour the prepared dressing over the bean and vegetable mixture in the large bowl. Toss gently but thoroughly to ensure all ingredients are evenly coated with the dressing.
Step 7: Cover the bowl and refrigerate the cowboy caviar for at least 30 minutes to allow the flavors to meld and deepen. For best results, chill for 2-4 hours before serving.