Mix the Filling: Combine softened cream cheese, shredded cheddar, diced jalapeño, and crumbled bacon (if using) in a small bowl. Stir until smooth and set aside.
Prepare the Meatball Mixture: In a large bowl, mix ground beef, breadcrumbs, egg, minced garlic, onion powder, smoked paprika, salt, black pepper, and Worcestershire sauce. Stir until just combined.
Shape and Stuff: Flatten 1 ½ tablespoons of meat mixture in your palm, place a small spoonful of filling in the center, and seal the meat around it. Roll into a ball and repeat.
Coat the Meatballs: Lightly roll each meatball in flour for a thin coating. This helps crisp the exterior and prevents the cheese from leaking.
Pan-Fry to Perfection: Heat oil in a skillet over medium heat. Cook meatballs in batches for 3–4 minutes per side, turning until golden brown and fully cooked (165°F internal temperature).
Serve and Enjoy: Let meatballs rest for a few minutes, then serve with ranch, spicy mayo, or your favorite dipping sauce.