Steps
1. Heat oil in a pan over medium heat. Add onions, bell peppers, and garlic, and sauté until softened.
2. Add cooked black beans, cumin, chili powder, cayenne pepper, salt, and pepper to the pan. Mix well and cook for 5 minutes to let the flavors meld.
3. Warm the flour tortilla in a separate pan or microwave.
4. Spoon the black bean mixture onto the tortilla, top with shredded cheese, and any optional toppings.
5. Roll up the tortilla tightly, tucking in the sides as you go.
6. Serve hot and enjoy!