Prep the oven and pan: Heat the oven to 400°F (200°C).
Lightly grease a 9x13-inch baking dish.
Season the chicken: Pat the chicken breasts dry. Rub with olive oil, then season both sides with salt, pepper, garlic powder, and onion powder. Arrange in a single layer in the baking dish.
Make the popper topping: In a bowl, mix cream cheese, sour cream, cheddar, mozzarella, chopped jalapeños, and half the crumbled bacon.
Add lime juice if using. Stir until smooth and evenly combined.
Top the chicken: Spread the cream cheese mixture evenly over each chicken breast, edge to edge. Sprinkle the remaining bacon on top.
Bake: Place the dish on the center rack and bake for 22–28 minutes, or until the chicken reaches an internal temperature of 165°F (74°C) and the topping is bubbly.
Optional broil: For a browned top, broil for 1–2 minutes at the end.
Watch closely to avoid burning.
Rest and garnish: Let the chicken rest for 5 minutes. Sprinkle with green onions or chives before serving.