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In a large skillet over medium-high heat, sauté beef 4–5 minutes, breaking it up as it cooks.
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Add onion and cook 4–5 minutes until tender. Stir in garlic, cumin, chili powder, garlic powder, oregano, salt, and pepper; cook 30 seconds. Transfer mixture to a slow cooker.
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Add beans, diced tomatoes (with juice), tomatoes with green chiles (with juice), and tomato sauce. Stir, then cook on High 3–4 hours or Low 6–8 hours. Add optional toppings if preferred.