In a large bowl, stir together the beans, tomatoes, corn, bell pepper, onion, jalapeño, and lime juice.
Make the dressing: In a small bowl, whisk together the 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 hour to allow the flavors mix well. Serve with tortilla chips.