Drain and rinse both cans of beans, then let them sit in a strainer for 5 minutes. Thaw and pat dry the corn if using frozen.
Seed and dice the tomatoes, dice the bell pepper and red onion, mince the jalapeño, and chop the cilantro. Keep the avocado whole until just before serving.
Whisk together the olive oil, lime juice, apple cider vinegar, honey, garlic, cumin, chili powder, salt, and black pepper until combined.
Add the beans, corn, bell pepper, tomatoes, onion, and jalapeño to a large bowl. Pour the dressing around the sides and fold gently until everything is lightly coated.
Cover and refrigerate at 40°F (4°C) or below for 30 minutes.
Stir the base, fold in the cilantro, then dice and add the avocado. Taste and adjust with a small squeeze of lime or pinch of salt if needed. Serve cold.