In a large bowl, combine black beans, black-eyed peas, corn, tomato, bell pepper, red onion, and cilantro.
In a separate small bowl, whisk together lime juice, olive oil, garlic powder, salt, and pepper.
Pour the dressing over the bean mixture and toss gently to combine.
Gently fold in diced avocado.
Serve immediately or refrigerate until ready to serve.