In a large bowl, stir together the black beans, black-eyed peas, tomatoes, corn, bell pepper, onion, DGF jalapeño relish, and lime juice.
In a small bowl, whisk together the vinegar, oil, cumin, cayenne, honey, garlic, salt, and pepper. Pour the dressing over the bean mixture. Fold in the avocado and cilantro, and season to taste.
If time allows, refrigerate for 1-2 hours to allow the flavors to marry; even better the next day! Serve with tortilla chips.